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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Incorrect Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to dispute inaccurate late payment information appearing on my Experian credit report for the XXXX mortgage account ( Account # : XXXX ). 
Details of the Dispute Your records erroneously reflect late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These notations are incorrect and unsupported by my payment history, as evidenced by the enclosed documentation. 
Legal Basis for Dispute The reporting of these late payments violates several federal laws, including : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Prohibits reporting inaccurate or outdated information.

15 U.S. Code 1681s-2 ( b ) : Requires furnishers of information to investigate and correct inaccuracies upon notification.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Billing statements must be provided in a timely manner, at least 21 days before the payment due date.

Consumer Financial Protection Bureau ( CFPB ) Regulations : Credit bureaus must ensure fairness, accuracy, and prompt resolution of consumer disputes.

15 U.S. Code 1681n and 1681o : Violations of these laws expose furnishers and credit bureaus to liability for both willful and negligent non-compliance.

Requested Resolution I demand the removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and written confirmation of the correction. 
Enclosures Included are the following documents to support my claim : Copy of my identification ( ID ). 
Proof of address. 
Copy of my Social Security card. 
Highlighted credit report showing errors. 
Bank statements proving timely payments. 
Notice of Potential Escalation If this matter is not resolved within the time frame required by the FCRA, I will file formal complaints with the CFPB, FTC, and potentially pursue legal action under applicable laws. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail from Frist National Collection Bureau Inc. on XX/XX/2023. I wrote a dispute letter that has a receiving time stamp of XX/XX/2023 on USPS tracking website. I did not receive a response from the company with 30 days. As of XX/XX/2023, I called the company to see if a response was sent to my home address. The agent confirmed the company had not received my disputed letter in addition, I was no reply was sent.
Product: Debt collection

I 've been for the past few months in contact back and forth with XXXX, Central Financial Control and XXXX XXXX XXXX in reference to my medical bills and with all the disputes gotten no results.. I was told by Central Financial Control and XXXX XXXX XXXX that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX XXXX and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have Illinois XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. Central Financial Control and XXXX XXXX XXXX is telling me this is n't good enough and that i need them to write a letter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed two inaccurately reported late payments on an account for which I have never missed a payment. As consumer reporting agencies play a critical role in ensuring the accuracy of consumer information, I request a thorough investigation into this matter. 

The alleged late payments are recorded for XXXX and XX/XX/year>. I have attached screenshots as supporting evidence to demonstrate that my payments were made on time. Please provide official statements or proof confirming these late payments. If such proof can not be provided, I respectfully request that my payment history be updated to reflect an on-time status, as the current reporting is incorrect. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Money transfer, virtual currency, or money service

I was scammed for a puppy on XX/XX/XXXX. I pod a deposit for the puppy and then the seller wanted the rest of the money and thats when I knew something was up. They seemed legit until that point. I paid {$350.00} through XXXX with 5/3. 5/3 stated that since I authorized the transaction that I will not be able to receive my money back, which I understand but figured there should still be more that can be done. I have photos for proof of the conversation. Just really want some money back if possible.
Product: Credit card or prepaid card

I got my Barclays ' XXXX XXXX  XXXX Credit Card application from XXXX XXXX Stewardess on my return trip from XXXX XXXX to XXXX XXXX XXXX XXXX. I filled and sent my application in around XXXX XXXX, 2021 and got no replied answer. Later, Barclays sent me a letter to ask me to certify my citizenship in their supplied return envelop. I didn't find any return envelop but replied with my personal envelope, On XX/XX/2021, Barclay sent me another mail to ask me to call XXXX in 30 days to verify information listed on my application. If I didn't call in 30 days they will be unable to consider my application. I called on XX/XX/2021 around XXXX ET to that number. It put me on hold for more than one hour without any answer. I called again on XX/XX/2021 XXXX ET and left with my phone number. Someone answered and asked my SSN and DOB and then put me on hold for 45 minutes, then another agent answered and asked my SSN and DOB again and told me that he couldn't open my application and put me on hold for more than one hour. I guessed that Barclay didn't like to approve my application of credit card but couldn't find any problem with my application. I got excellent credit score about XXXX. Barclay just tried to discourage my effort to get the credit card. My phone number is XXXX. My email is XXXX. FYI my application No : XXXX and my name is XXXX XXXX XXXX. Please help.
Product: Vehicle loan or lease

The pandemic of covid 19 hit and my husband and I both lost a huge amount of our income. I explained this to the loan company and asked for an extension. They repossessed our vehicle, vandalized and stole our personal property from the vehicle and sold it. They are reporting a balance late every month on our credit report. This is impacting us severely in the mist of a pandemic.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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 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

In XX/XX/XXXX an inaccurate information was published on my XXXX credit report by ALLIED COLLECTION AGENCY without any contact with me. I disputed this report and XXXX initially removed the report only to publish it again on XXXX, XXXX and XXXX now including the original creditor XXXX XXXXXXXX XXXX XXXX. I again disputed the accuracy of the debt through a letter sent to all 3 credit bureaux yet they keep removing and republishing this false negative report. 
The debt collector later sent documents on the purported debt to my wife XXXX XXXX XXXX XXXX while blurting out my name from all documents. The fact of the matter is that we moved out of XXXX XXXX XXXX on XX/XX/XXXX and left the apartment in good condition barring normal wear and tear and we left a security deposit of {$2400.00}. We did a final inspection of the apartment with the staff of XXXX XXXX XXXX and have our video and photo evidence. The staff even refused to let us take video evidence until we spoke to a manager on phone. THE DAMAGES CLAIM ARE INCORRECT AND OVER BLOATED. We dispute a lot of the charges like the rent, garage remote, interior paint, dry wall repairs, micro wave broken handle, solar vinyl prorated. Our rights are being violated by the continued publication of this false report until a court decides
Product: Credit card

I applied for a card that was sent to me 5 times within 3 weeks through mail from Chase. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. 
I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX : Reference number XXXX : 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. Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.
Product: Credit card or prepaid card

XXXX / XXXX /  XXXX   - I received an electronic state ment from Citi that I owed {$95.00} annual fee on a closed AAdvantage account. I then contacted them through their online Secure Message s to inquire about the charge. They responded saying the account was now closed and prorated the fee down to {$23.00} since their " record '' showed I did not call to cancel in  XXXX   XXXX  and I was over the " 37 day cancellation period '' to receive full refund.  <P/>  XXXX / XXXX / XXXX  - After over a month of messages back   and forth, I told them I 'd contact Citi Corporate since they could n't resolve the issue. I also pointed out that to this day, I was still able to generate a Virtual Account Number on this " closed '' account. They responded with the Office of the President address.
<P/>
Citi reps were quick to come back and argue but never attempted to investigate the integrity of their computer/billing system, ( 1 ) why the closed account is still active, and ( 2 ) IF they had been sending out statements, finance charges would have accrued on any outstanding b  alance since  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY XXXX XXXX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR XXXX XXXX IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX  Attorney General and FTC
Product: Credit reporting or other personal consumer reports

I have identified information on my credit report that does not belong to me and was not created by me. The information identified is a result of identity theft, he accounts are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went into XXXX XXXX in hopes of purchasing a cocker spaniel. I could not afford the price they were charging so they offered to finance the dog. I filed the paperwork for the loan using their in house lending agent. After filing the paperwork and reviewing it I found that I am being charged 151.97 % which is five times the legal limit of 30 % that can be charged in New Jersey as per Section 2C:21-19 - Wrongful credit practices and related offenses.
Product: Credit card or prepaid card

I received notice in XX/XX/XXXX that I had an unpaid balance on a Citibank Sears account ending in # XXXX. Upon receiving this notice, I called the number provided and learned that purchases had been made without my authorization on what I had believed was an old account that I had closed. I no longer had a physical card and therefore do not know the account number. Sears has repeatedly refused to provide XXXX since I learned of this fraud. I immediately opened a claim with Sears CBNA ( claim number XXXX ). Since that time, I have been given different accounts of the amounts owed and manner of resolving this issue. Despite my assertions of fraud, the account was sent to Collections. In XX/XX/XXXX, after being unable to resolve the issue with Sears Citibank and receiving contradictory instructions, I made a report with the Federal Trade Commission ( FTC report # XXXX ) reporting that I was a victim of identity fraud and fraudulent charges had been made on what I believed was a closed account. I also began to contact the three credit bureaus individually to dispute this charge and discovered I was a victim of XXXX 's breach ( XXXX claim # XXXX ) and my personal information had been compromised. I had learned that partial payments had been made on this account with the use of a debit card. Therefore in XXXX, as instructed by Citibank, I sent a packet containing copies of my bank statements showing I did not make said payments. Included in the packet was also information regarding my driver 's license, social security number, XXXX claim #, FTC Report and a summary of what had transpired since XXXX. This packet has since been sent several times to Citibank due to their lack of response and repeated assertions that they had not received the packet. I also retained an attorney who also sent the packet several times. Beginning on XX/XX/XXXX I and my attorney have requested copies of any statements, delivery addressee, charge slips, investigator 's summary and any other information regarding these fraudulent transactions. These requests have been made verbally and in writing. To date, we have not received any information despite repeated assertions that they will be sent. Moreover every time I call to determine whether the items are sent, I am informed there is no record of the items being sent. I have requested several times to talk to the investigator who I am told is named " XXXX '' but am refused access to her. In one of these many calls I was able to determine that the physical address on the account, the email address and the security code to gain access to the account had been changed and were not mine. Since XXXX of XXXX, this issue has yet to be resolved. I am given a different response every time I call, I am not given a status of the investigation, and am told a different account of what should happen every time I call.
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 about these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The listed companies below are on my credit report I dont recognize any of the companies listed below I have not given verbal or written authorization to any of the listed companies to obtain or use my personal information and want them removed from my report. 
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

I have fallen victim to identity theft and have duly reported the incident to the appropriate authorities. It is troubling to note that while other credit bureaus have promptly acknowledged and removed the fraudulent accounts, XXXX seems to be disregarding my legitimate requests. I am writing to urgently address the ongoing issue of fraudulent accounts persisting on my credit report, which is significantly undermining my creditworthiness. The fact that these fraudulent entries persist despite my repeated efforts to rectify the situation is both alarming and unacceptable. 

XXXX XXXX XXXX and XXXX XXXX XXXX. 
I require your immediate attention to this matter and request regular updates on the progress made in resolving this dispute. Your prompt adherence to legal obligations and ethical reporting standards is essential for restoring my creditworthiness.
Product: Vehicle loan or lease

XXXX refuses to work with me when I call with difficulties and try to adjust payment dates and amounts. They will give me additional time over the phone, but still send me certified mail about a repossession before the agreed upon time.