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

I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies in my personal information that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter.

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as : XXXX XXXX XXXX XXXX I request an immediate update to accurately reflect my legal identity. 
2. Address Update : My current residential address is : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, PR XXXX. 
However, my credit report still reflects an outdated and incorrect address : XXXX  XXXX XXXX  XXXX, XXXX, PR XXXX Since outdated addresses can cause identity verification issues and potential fraud risks, I request that all previous addresses be removed and only my current address be retained. 
Supporting Documentation : To verify the accuracy of the information provided, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my updated contact number. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, Equifax is required to investigate and correct any inaccurate information within 30 days of receiving this request.

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account, has violated my rights.

15 USC 1681 Section 602 States I have the 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX is writing you to complaint about my identity theft. 
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( f ), 16 C.F.R. XXXX, XXXX, AND EXPERIAN USES FOREIGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhard V. graven ( Mo ) 281 SW 715,719. I presume that no proof of the alleged debt, in fact therefore exist. Per the fair credit reporting Act, Section 611 ( a ) ( 5 ), you have 30days to investigate disputes. If you can not verify the information within 30-day time period, you must delete all the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Violations of 15 USC 6508 15 USC 6802 15 USC 6805 15 USC 1681B The reporting of late payments. Violation of the Privacy act of 1974 The Education and Privacy act of 1974 UNAUTHORIZED INQUIRES ON XXXX, EXPERIAN AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Automated Collection Services would not validate an alleged debt and did not cease collections attempts. Continued to communicate in regards to the alleged debt after being asked to cease all communications. Then ACSI listed the account as accurate and disputed with no validation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and un fair practice, which violates the customer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measure to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute and 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 card or prepaid card

See complaint # XXXX I have requested for fairly simply information. Discover acknowledged my initial complaint was valid and promised it would be corrected 2 months ago. It has not and Discover is now refusing to provide the proof that they did report the Discover card which is in my name to 4 different credit bureaus. please see attached letter dated XX/XX/2022. 
In complaint # XXXX I requested proof ( a copy of the XXXX ) that Discover did indeed do as they said they did. Discover seems to think they can lie and stall without consequences. As a result of my complaint Discover has now retaliated against the owner of the account XXXX XXXX XXXX a XXXX Vet, injured while serving this country. This type of behavior does not happen without the go ahead or authorization of the CEO of Discover XXXX XXXX XXXX XXXX. I am sure XXXX XXXX has authorized the attack on thousands if not millions of other consumers and since our politicians or agencies responsible for preventing this type of behavior bribed to do nothing, Americans are finally recognizing they must defend themselves. Therefore, I will be posting XXXX XXXX contact information on the appropriates sites so that consumers can defend themselves. For instance here is his XXXX XXXX dollar home in XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Sad, we have so much corruption and greed in this country and it is always up to the PEOPLE to end it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on account numbers # XXXX, XXXX and XXXX have responded in sync with XXXX stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

XXXX XXXX and XXXX have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy
Product: Checking or savings account

I attempted to close my checking account with US Bank on XX/XX/XXXX. 
I went to my local branch to do this, and was told that my account would be closed. 

My account was not closed. 

Because the account was not closed, I was charged monthly service fees. 

There were no funds in the account to pay for the service fees, so a linked line of credit was used for overdraft protection. 

I wasn't aware of this happening, and I wasn't monitoring the account, because I was told that the account was closed by my local branch. 

After a few months, I found out about this issue through a credit monitoring service because my credit has been damaged. 

I called US Bank and spoke with a number of customer service reps, eventually having tickets opened to resolve the issue. 

US Banks resolution was to send my account to collections. 

I eventually payed their ransom. In all, closing my account cost hundreds of dollars and did years worth of damage to my credit. The account was finally closed in XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Hello, good day. I kindly ask that you treat this matter with the seriousness it deserves, as it has caused me significant stress and anxiety. I am a victim of identity theft, and my personal information was used fraudulently. As a result, there is an item on my credit report that I have no connection to and was never associated with. Following the guidance provided by Experian, I promptly filed a report with the FTC and submitted it to address this issue. Despite my efforts, this fraudulent item still remains on my report.
Product: Money transfer, virtual currency, or money service

My XXXX account was frozen today,XX/XX/XXXX, due to violations of XXXX service. The only transactions I made today are a funds transfer into my account in the amount of XXXX, a money transfer in the amount of XXXX to XXXX XXXX, this account is in the name of a friend 's father, the person requested to borrow XXXX dollars. Prior to this, a transaction in the amount of XXXX was sent to XXXX XXXX, another friend whom requested to borrow this amount.. I am not aware these transactions are a violation of XXXX terms of service, photo ID was requested which I emailed and the live chat did know anything about reason ( s ) for the freeze. The rep stated the issue was escalated and to wait 5-7 days for response. I request reasons for freeze and or it lifted.
Product: Debt collection

Cable TV I returned equipment and paid what I owed. They have me in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

repoorting hippa violation XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our company had a blanket loan on XXXX properties. We arranged for the sale and partial release of XXXX of these properties XXXX XXXX XXXX XXXX WV. In preparation for the sale we requested a partial release from our lender Selene Finance. The partial release was given and payoff information was sent over XXXX XX/XX/2024 by XXXX reps from Selene Finance, XXXX email was generated from what seemed to be an automatic customer service email : XXXX and another from. XXXX. XXXX  Law located in XXXX WV provided the title work and had requested this payoff information and was the entity which directly received this information. Closing then followed on XX/XX/XXXX and the wire was sent by XXXX  Law on the XXXX to deliver the payoff of the loan in the amount of {$460000.00}. XXXX elapsed and there was no decrease on the principle of our loan with Selene Finance to reflect the payoff. This spurred us to reach out to Selene Finance on XX/XX/2024 to verify the reason for not having the payoff reflected. Selene Finance rep XXXX XXXX began to look further into the situation and said that he was seeing no payment to Selene Finance. This was obviously extremely concerning because the property had already been transferred into the ownership of the buyer and {$460000.00} had gone apparently missing. 

Our next step was to contact XXXX  Law the title company to verify who and where the wiring information had come from. XXXX  Law provided the email chains showing payoff info from XXXX and XXXX. The payoff information was on Selene Finance letterhead and had all of the appearances of having been generated by Selene internally. The wiring instructions directed the payoff to be sent to a bank account named Selene Finance LP Payment Clearing and the bank account is at XXXX XXXX XXXX XXXXXXXX XXXX with Selene Finance notified us via email on XX/XX/2024 that this XXXX XXXX XXXX account is not linked to Selene Finance. At this time this has all of the appearances of fraud and we are extremely concerned. We want to know who this account belongs to, if this money is still in the account with XXXX XXXXXXXX XXXX and if it is retrievable to be sent to Selene Finance to ensure proper payoff.
Product: Debt collection

Pro collect have called me numerous amounts of times even after i have asked them to not contact me.The calls are harassing and I wish they do not contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This credit bureau clearly did not open a proper investigation on concerns that I have made them aware of dealing with what I have found on my credit report and I am looking for your help to resolve this issue. On XXXX I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. According to U.S Code 15 U.S.C 1681i ( 5 ) ( A ) ( i ) Treatment of inaccurate or unverifiable information 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 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. I am attaching my dispute letter and would like a resolution for the accounts I am referring to. I do not believe the credit bureau is abiding by the FCRA and it is shown based off of my investigation request. The FCRA defines a consumer 's file as all of the information on that consumer that is recorded and retained by a consumer reporting agency, regardless of how the information is stored. I am requesting the documentation provided by the credit furnishers that verified the account information on my credit report. I am requesting the instruments used to determine that the accounts are reporting accurate information. If nothing can be supplied. I believe I was not given a proper investigation according to FCRA standards and my request for the accounts indicated in my letter will be adhered to. 

FCO : Account number : XXXX, This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit report. 

XXXX XXXX : Account number : XXXX, Despite my previous dispute letters to your department, the most recent credit report I reviewed still indicates that this account is being reported inaccurately and incorrectly. Multiple " violation '' claims have been posted on this account. I don't think the account 's current status is right. I strongly encourage your department to reinvestigate this matter and ensure that accurate, XXXX, and full information is provided. Immediately remove this erroneous account from my credit report! 

XXXX XXXX XX/XX/year> : I don't recall authorizing this inquiry. It could be fraudulent.As a consumer by law this account must be deleted immediately. 

XX/XX/XXXX : Account number : XXXX, I was never late in paying this account. I need you to update this account. 

XX/XX/XXXX : Account number : XXXX, How can you say this account was updated when it still looks exactly the same? The same inaccurate information is still being reported by your company and nothing has been updated. Update these inaccurate late payments immediately from my report. 

XX/XX/XXXX : Account number : XXXX, No late payment shall be reported in a paid account. Update this account on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX;XXXXandTransunionarereportinga30daylatepaymentontheXXXXpartialaccountnumberXXXX.(Pleaseseepages5and6oftheattachedcreditreport.)Ihavehadthisloanforquitesometime.Imakethesepaymentsatdifferenttimesofthemonth,butalwayspriortotheduedate.Ihadspokenwitharepresentativetoscheduledbi-monthlypaymentsorevenbi-weeklypayments,butwastoldthatthistypeofpaymentarrangementcouldnotbescheduled.ThelatepaymentsbeingreportedinXXXXandXXXXwasanoversight.Iwasdealingwithanillnessinmyfamily.IhadcontactedthemortgagecompanyandnotifiedthemthatIwasgoingtobelateonthesepayments.RecentlyIbeganpayingthemortgageonline,howevertherewasanissuewiththeirwebsite.ImadethepaymenthoweveritwaspostedastheXXXXpaymentandreallythisshouldhavebeenpostedastheXXXXpayment.Consequently,theerrorwiththeirwebsitesparkedthelatepayment.Thisincorrectreportingisharmingmycreditscore.Pleaseremovetheselatepaymentsfrommycreditreport.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE XXXX XXXXXXXX XXXX, ACCOUNT NO . XXXX I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as XXXX XXXXXXXX XXXX XXXX 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that XXXX XXXXXXXX XXXX has provided me, and I am grateful for the positive experiences I have had as an authorized user.

I understand that there may be necessary administrative processes to complete to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter.
Product: Credit reporting or other personal consumer reports

today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to change my mailing address to the lawfirm that represents this classaction I never gave them ( XXXXXXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX  their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all three of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}
Product: Debt collection

Credit Acceptance continues to disregard my complaints by saying that I'm making duplicate complaints when in reality each complaint has been singular and due to continuous verbal abuse expressed by credit acceptance and unfair treatment. Credit Acceptance is threatening repossession and damage of my credit report as well as my husband 's credit report which credit acceptance has yet to fix. I am still being affected by Covid 19 and credit acceptance explained that consumers will be protected as long as we communicate that we are affected. Credit Acceptance is being unfair and abusive towards me and my husband XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XX/XX/XXXX XXXX and IFTH THIRD BANK NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Bank account or service

I entered a Chase bank in my city to change a {$100.00} dollar bill into XXXX {$20.00}. I was told that I needed an account at the bank in order to do this. So I went down the street and got change. 
It this an illegal bank policy?