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

Experian is reporting my personal non public private information as a consumer credit profile without express written or verbal consent which is in fact identity theft. I asked them to cease inaccurate reporting of my personal information and was denied. They continue to report anyway pursuant to 15 usc 1681 this is illegal and they are reporting knowingly and willing false and misleading information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have contacted the company, the company the debt was sold to and trans union to resolve this matter for more than 3 months but nothing seems to be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with The Fair Credot Reporting XXXX Account # XXXX has violated my rights to 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A states section 2 : it also states a consumer reporting agency can not furnish a Account without my written instructions
Product: Debt collection

this company is violating my rights under they have not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) yet they have placed a collection on my consumer report recently also violating my rights by using false and misleading information ' i have made previous attempts to fix these directly wit them and they are violating my rights im entitled to {$1000.00} for every violation i listed they either pay me or delete this accounts ASAP
Product: Credit reporting or other personal consumer reports

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have sent in countless letters to XXXX, XXXX, and Equifax, neither Consumer reporting agency has removed the XXXX Bank account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, XXXX, and Equifax please delete the account before I seek litigation.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) 60 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.
Product: Checking or savings account

My account was closed because of a shared account being negative {$27.00} that I opened for my son and therefore I didnt access or monitor it. I was told I had until XX/XX/XXXX ( until midnight ) to retrieve any and all funds. On XX/XX/XXXX I called to explain I just found out my sba ppp loan was being deposited into that account on XX/XX/XXXX and it couldnt be stopped or changed. I begged to please give me 1 more day so I can retrieve the funds. However at least I had all day on XX/XX/XXXX to retrieve funds. When trying to retrieve funds I was denied after {$500.00}. Upon calling customer service, I was told I was informed incorrectly. That my account was now closed and had to wait for them to send me a check! I asked 3 different representatives to speak to a supervisor and was told each tilt that no I could NOT speak to a supervisor or manager. I called 3 more separate times trying to explain how COVID affected my business and how not having access to this money would not only affect me but my employees because it would force me to close my business without these funds. I also stated that according to their statement online that they would help in any way their customers during this time werent doing ANYTHING to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX OCCURRENCE DATE XXXX XXXX  XXXX/XXXX  XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT, AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS FALSE AS THE ACCOUNT FIRST MAJOR DELINQUENCY WAS XX/XX/XXXX STATUS SHOULD READ PAID CHARGED OFF THE 81-PAYMENT HISTORY IS INCORRECT IS IN NOT COMPLETE AS IT FAILS TO STATE FOR YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. XXXX XXXX  XXXX/ XXXX STATES ACCOUNT WAS PAID BEFORE CHARGE OFF. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE MAJOR DELINQUENCY WAS ON XX/XX/XXXX AND PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT AS THE STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT AS IT STATES CHARGE OFF ON XX/XX/XXXX. BUT THE ACCOUNT WAS PAID RECEIPT IN XX/XX/XXXX. THREE MONTHS BEFORE CHARGE OFF DATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times from XXXX. I even tried with the credit bureaus. My report shows different amounts over the years example XX/XX/XXXX {$4000.00} XXXX {$4300.00} and XX/XX/XXXX {$2700.00} this account should have been removed in XXXX. The car was even sold
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with XXXX XXXX, and it was reported on [ Date of Report ]. The details of the account are as follows : - Account Holder : XXXX XXXX - Reported Balance : {$2500.00} - Account Type : Credit Card - Status : Closed - Remarks : Charged off as bad debt, Canceled by credit grantor I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX. 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information. 

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. 
- Correction of any errors or inaccuracies in the reporting of the fraudulent account. 
- Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

I have attached copies of relevant documents and correspondence related to this dispute for your review and investigation. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

There has been several unauthorized charges on several of my capital one credit cards that have been brought to my attention. Including unauthorized auto pay that keep getting activated without my consent. I have contacted Capital One about issues with my accounts and due to long delays haven't been able to speak with a rep. They sent a {$110.00} auto pay when I cancelled the auto pay back a few months ago. I am requesting closure of all of my accounts with them and a fraud investigation to be opened as some of the fraudulent transactions are almost a year ago.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, we noticed $ XXXX was taken from our business account via an unauthorized ACH transaction on XX/XX/2024. We reported this as a fraud to Bank of America on XX/XX/2024, and the XXXX set up a claim upon us reporting it. Subsequently, the XXXX claimed that it has sent multiple correspondences to the originating entity 'XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively, and did not get a response from XXXX XXXXXXXX XXXX However, upon contacting XXXX XXXX XXXX, it claimed that it did not receive anything from Bank of America until XX/XX/XXXX, which is conveniently outside the XXXX window for ACH fund 's recovery. We then requested Bank of America to provide evidence of its correspondence with XXXX XXXXXXXX XXXX, and our request is denied. Now we are left with no evidence to pursue this with XXXX XXXXXXXX XXXX  further.
Product: Money transfer, virtual currency, or money service

Tried to link my account to an investment account to transfer money, and was told by the service that " PNC has made a change that prevents you from being able to link your accounts ''
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Subject : Identity Theft and Lack of Response from Equifax I am writing to bring to your attention an ongoing issue I have experienced concerning identity theft and the inadequate response from Equifax in addressing my concerns. Despite my diligent efforts to resolve this matter, Equifax has not acknowledged or responded to my previous letters, while I have received initial responses from XXXX and XXXX. Initial letters were sent on XXXX XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers are entitled to place a fraud alert on their credit reports when they suspect they are victims of identity theft. This law mandates that credit reporting agencies, including Equifax, must take necessary steps to investigate and respond to claims of identity theft in a timely manner. 

I have completed an identity theft affidavit and an identity theft report, which I have sent to all three bureaus along with a copy of my credit report. Additionally, I included a list of past and previous letters I sent to the bureaus regarding this issue. I have also provided proof of delivery for these letters, which I sent via certified mail. 

Recently, I have discovered new inquiries on my credit reports that I did not authorize or initiate. This further exacerbates my concerns regarding the integrity of my credit information and the need for prompt action from Equifax. 

I kindly request that the CFPB investigate this matter and assist me in ensuring that Equifax complies with its legal obligations under the FCRA. It is essential that consumers are protected from the repercussions of identity theft and that credit reporting agencies fulfill their responsibilities in a timely and effective manner. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on how I can further proceed to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY, 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

In XXXX, I received notice from a debt collection agency, Midland Credit Management, regarding two debts they claim are associated with retail credit cards originally issued by comenity bank and the XXXX XXXX XXXX. I believe these debts are not be mine or are inaccurately reported. Midland Credit Management did not provide proof of their legal right to collect these debts, including original agreements. A breakdown of amounts owed, original account number, including fees, interest, and charges were not provided. I also submitted dispute letters to major credit bureaus, indicating potential inaccuracies. These debts are reported as charge-offs, yet I have not received a XXXX XXXX of XXXX form, which is usually issued when a debt is officially canceled. As of today, Midland Credit Management has not provided adequate documentation to validate the debts or confirm their right to collect. Due to the lack of validation and necessary XXXX documentation, I believe these accounts are inaccurately reported. I request the CFPBs assistance to either validate these debts or remove them from my credit report if Midland Credit Management can not comply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Student loan

I am writing to express my concern regarding the excessive interest charges on my student loan. Upon reviewing my payment history and loan agreement, I noticed that I have paid more than three times the original loan ( $ XXXX ) amount in interest alone ( $ XXXX ). This situation feels unreasonable and financially burdensome. 

While I understand the terms of the loan were agreed upon initially, the extent of the interest far exceeds what I believe to be fair or competitive compared to other lending options. It is disheartening to see that such terms heavily penalize borrowers and make it exceedingly difficult to pay off the principal amount. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I asked for an explanation as to why the interest rate doubled. There where no missed payments. No explanation was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Covergent Outsourcing reported I owed a debt. I hired the credit people to challenge and dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax releasing ( due to their negligence ) all my personal information ( SSN, DOB, Address, etc. ) to hackers represents an incredible financial risk to me and my family. The solutions they propose are insufficient. They need to be forced to offer for FREE the following : 1 ) Credit Freeze and unfreeze upon demand on ALL credit report companies at Equifax cost for a period of at least 7 years. 

2 ) Credit monitoring for free for at least 7 years. 

3 ) An option for citizen to have NO CREDIT report in their company. I do not want do do business with them anytime in the future and I should not be part of their database against my will.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 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  I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request.
Product: Debt collection

There are 2 medical collections from XXXX that are not mine nor are in my name or as the financial responsible party. The accts are listed as individual accounts, every time I dispute them they will appear again, I have asked for the original wet signature of the doctors application showing I am the holder and responsible party for these accounts, I have yet to receive them. Why? because they don't belong to me.I have advise the collector of this fraudulent violation. I am not responsible for these collections and I will not be held accountable for them! I have consulted with my attorney. This is a hinderance against and my character. At this point I am prepared to sue for court cost, legal fees and time if these are not removed and deleted forever. I am sick in tired of this company reporting fraudulent claims. I only need to find a few people in my position to cause a class action suit.
Product: Checking or savings account

It was yesterday XXXX XXXX around XXXX, i went to XXXX bank on XXXX and XXXX in XXXX, TX. 
I wanted to withdraw {$5000.00} from my account, the teller told me that they did not have the money and that i needed to go to a different location, or come back the next day to get it. I asked to speak to the manager. The teller came back with a young lady, i told them that i will be video this conversation and asked for her name, she refused to give me her name and walk away. 
I asked the teller for that person name but she refused to give it to me, and refused to give me her name also. I asked the teller again that i could speak to someone really in charge, because i want to cash out some money. 
After a few minutes in the back room again, she came out and told me that i can have {$2000.00} instead of {$5000.00}. I told her that i didn't want {$2000.00} but {$5000.00} of my money and who ever hear of a bank that doesn't have {$5000.00}. 
Then suddenly another employee came and asked if she could help me from behind my back, she asked for my driver license and bank account number, i gave them to her, then she went in the back and after a few minutes, she came out with {$5000.00} and gave it to me. 
I don't really know what has happened there, was i being discriminated or????. 
It was really sad that i have to go through that just to get my own money. What if they do this to the people that speak very little English or someone just do what the told from the teller, there have to be a better way.
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 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.