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

I wrote several letters to best buy on XX/XX/23 and XX/XX/23 to remove my transactions and experience off my credit report. I did not give them permission to share my information and by Law it is against the law. It is considered identity theft if they don't have me sign 3 forms of paperwork to allow them to do it. Best Buy is illegally reporting the experience ( utilization ) and transactions ( history ). The company is in clear violation of the law. pursuant 15 USC 1681a 2 ( a ) ( i ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are in violation of the FCRA 15USC 1681a 2 ( a ) ( i ) by reporting experience and transactions on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my consumer report.
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am aware that, despite customers providing precise information, you have been employing pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand this to be illegal since each customer complaint requires individual consideration and handling based on its own merits. 

My letters have been composed and generated using readily available software accessible to everyone. Refusing to process or address my letters would constitute a violation of 15 U.S. Code 1681i. It is against the law to delay processing consumer letters based on the assumption that third-party assistance might be available, as this does not qualify as a legal exception. Whether authored solely by me or with the knowledge and consent of my advisors, I am the responsible party for any letters bearing my name. Failure to respond promptly to my correspondence will be viewed as a willful disregard for my customer rights, leading me to contact my lawyer and pursue legal action. 
In accordance with FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted standard of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe to be incorrect. The proper documentation and validation of all data in a consumer 's file before being made available for creditor use are crucial. Consequently, I treat this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, and I will not tolerate any misinformation linked to my name and financial history. I am determined to fight back vigorously. 

The accuracy of your credit report holds significant importance. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their non-compliance with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that do not meet regulatory requirements should not occur. Ensuring accuracy and adherence to appropriate formats mandated by the Fair Credit Reporting Act ( FCRA ) and standards like XXXX XXXX is crucial. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX Collection {$890.00} XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXXXXXX Charge-off {$5500.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

Under 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.

Deviation from Metro 2 compliance standards, as outlined in the CRRG, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards.

Your actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Debt collection

I noticed my credit report saying I owe XXXX money. So i called XXXX multiple times and they kept transfering me, ive probably been on the phone with them XXXX XXXX so far and never go directed to the right department to handle this. Most of the departments verified they cant find an account for me in the first place, my name is XXXX XXXX, birthday XXXX  and phone number has been XXXX for the past XXXX XXXX. I have never signed a contract with them or had an account with them in any form, including internet or whatever else they provide. I told many of theyre departments that this would have to be fraud if this report is even true. If they have a signature, id like they to match it to mine because I know I have never had an account with this. Please invesigate this buissnesss practices and require them to actually have my consent before charging me, like I said before, I have NEVER had an account with them or services with them in my whole life. I kept reaching out to them, and even disputed on experian and both have had no luck.
Product: Credit reporting or other personal consumer reports

To remove XXXX XXXX  account Information ending in XXXX as its not my account and Im not responsible for it. Remove it from my account assp!! See attached. 

My ssn XXXX XXXX XX/XX/year> Remove this from my credit report!!! 

Never late!!

Im not owner of account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX I contacted Freedom Mortgage regarding my escrow. There were several escrow transactions associated with my hazard/homeowners insurance paid by Freedom. {$2300.00} previous provider, XXXX which was cancelled, {$1600.00} to another insurance provider to replace XXXX which was cancelled as well. Freedom paid my new provider, XXXX {$1700.00} for escrow year, XXXX to XXXX I received refunds both payments and sent those back to Freedom to be put back into my escrow account. I also made two mortage payments during this time. When I contacted Freedom about my statements ( XXXX and XX/XX/XXXX ) escrow balance, their statement was different from what representatives discussed with me on the phone. Even their XX/XX/XXXX statement listed {$1600.00} three times, 1 as payment ( or refund ) and two as payments ( out {$1600.00} ) which is incorrect. It is my belief that Freedom purposely does not list real time information on-line because of deceptive practices. Please assist with correction of my escrow balance.
Product: Debt collection

I DONT HAVE KNOWLEDGE OF THIS ACCOUNT. THEY TOLD ME THE SERVICE IT WAS WITHOUT LEASE AND I COULD STOP IT IN ANY TIME WITHOUT NO CHARGES. AND THEY DO THE OPPOSITE THING. SO THAT MEAN THE SELL SOMETHING COMPLETLY FALSE AND IS A FRAUD.
Product: Debt collection

In XX/XX/2016 I was charged a collection on that is just now appearing on my credit profile. J in didnt even use XXXX XXXX XXXX. 

I now live in XXXX this is from XXXX.
Product: Mortgage

I have a home mortgage with Caliber Home Loans. I 've been working with them on a loan modification. As part of the modification process, I 've fallen behind on my payments because they are refusing to take payments while the loan modification is in process. I 've submitted all the paperwork and responded every time they have asked me for more information. At the same time, they have initiated foreclosure proceedings and set a sale date for my house.
Product: Credit card or prepaid card

On XX/XX/18, I attempted to apply for a Discover IT card through a link on XXXX. I had just recently moved and was unable to verify my new address with a bank statement at the time of application. I immediately attempted to rectify this by opening a local bank account ; unfortunately I was informed that I wouldn't be able to get a bank statement from them for around two weeks. 

Concerned, I called Discover 's customer service number and was informed in no uncertain terms that they would put a hold on my application for 30 days so that I'd have time to receive that bank statement. I was also informed that I had been pre-approved for the card pending that change of address confirmation. Upon finally receiving the bank statement and attempting to resume the application, I was informed that the application had already been denied, well before that promised 30-day window was up. The customer service rep I spoke to ( XX/XX/18 ) promised to have a supervisor reach out to me. No call was received. 

When I called in again, ( XX/XX/18, spoke to a supervisor named XXXX based in XXXX XXXX XXXX ) I was told that another hard credit pull would be necessary to restart the application, a completely unsatisfactory resolution. I do not believe my credit should suffer two hits due to the incompetency of Discover 's customer service team. I am incensed that they refuse to own the mistakes of their employees, and I do not believe they should be able to misrepresent their services in a favorable light when it suits them to attract customers, but then completely deny all accountability when their false promises fall through.
Product: Debt collection

I received a complaint by this company trying to sue me over student loans from 2006 and earlier. I have no recollection of these so-called accounts and they have went as far as to hire attorneys in XXXX XXXX and begin suing me for what they claim I owe over $ 200XXXX
Product: Mortgage

I have a mortgage with Chase Bank On several occasions I have approached Chase Bank because for XX/XX/2015 they reported a XXXX on my credit instead of reporting current as my mortgage payment was made on time for that month. I have called several times to Chase and they advised it was the credit reporting agency I then contacted the credit Bureau who advised me it was Chase doing a non report for that month but something on Chase side. I continue to get bounced back and forth.
Product: Debt collection

BALANCE {$340.00} This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with credit acceptance, I do not have a contract with credit acceptance corporation. they did not provide with the contract i requested over the phone. I paid it off with the inquire of covid 19 relief they had.
Product: Mortgage

I recently was approved for the partial claim loan and the amount was for XXXX. I also made a payment in XX/XX/XXXX for XX/XX/XXXX of XXXX which totals to XXXX. I am not sure why there is still a balance for XXXX for the month of XX/XX/XXXX. I was informed that the payment I made in XXXX for XXXX is in a suspense account and has not been applied to the mortgage payment. I have made several attempts to call the mortgage company and I need details as to why there is still a balance showing that should have been cleared. XXXX payment due date is approaching and I am very concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XXXX XXXX2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX is not my address or has ever been any address of mines. Please provide document proof to me or Remove/Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my wells fargo card then made fradulent charges on it. I sent wells fargo a police report & an ID theft affadavit, I have talked to wells fargo a dozen times over the phone & the person on the phone always tells me that he is going to remove the negative information from my XXXX credit report but he never removes it. 

The negative information has been on my XXXX  report for over XXXX years but it still hasn't been removed. 

XXXX tells me that wells fargo has verified this info as accurate but wells fargo tells me that the negative info shouldn't be on the credit report. 

Will you help me get this negative information removed from my credit report.
Product: Credit card

I've consistently ensured timely payments on this account, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Debt collection

As of XX/XX/2018 received a call from XXXX from XXXX XXXX XXXX to my cousin phone number. My cousin advised she contacted this number and told the creditor this was not the contact number. As of XX/XX/2018 my cousin received another threaten voicemail from creditor without providing any mini miranda. In addition advised deception of a financial institution in which this was disclosed to a third party without authorization and even receiving this information that they keep calling the incorrect person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded to Experian National Consumer Assistance Center. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, Engel Hardt v. Gravens ( MO } 281SW715,719, I may presume that no proof of the alleged debt nor any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

The day of XX/XX/XXXX of this year 2021, the XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX run my credit report without my authorize and I got a notified inquire on my credit report TransUnion. I already contacted TransUnion report and let them know of the inquired, they give me a file number XXXX.
Product: Vehicle loan or lease

This is in regards to account number XXXX. The business was sent a dealership check via XXXX delivery on XX/XX/year> at XXXXXXXX XXXX signed by XXXX in reception. It was delivered to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The check number is : XXXX, the amount is : {$2100.00}. 

The business has been sitting on the check for 3 days, they have not posted the payment. 

Adequate proof has been attached to this complaint. 

Three days later the business has not posted the payment to the above account. Why?
Product: Credit card or prepaid card

I called chime and informed them that someone had stolen my wallet and use my card. The dispute lasted all of 3 days and they denied it
Product: Credit reporting, credit repair services, or other personal consumer reports

As of last XX/XX/XXXX-XX/XX/XXXX, I have been trying to dispute several account showing under my name and Credit Bureau keeps reporting, XXXX XXXX  {$250.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX Paid in full/Satisfied Experian reporting negatively XXXX XXXX XXXX {$1000.00} XXXX   XXXX- PAID as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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

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

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

First National Bank sent me a letter in the mail describing they mismanaged my Escrow account and needed to raise my monthly amount double per month over {$2000.00} per month to get the escrow balance to where it needs to be. That monthly payment was unacceptable and completely unaffordable. After many calls and many days they finally told me they would separate this in a monthly fee resulting in an extra {$600.00} a month to make the escrow amount. I understand the escrow was mismanaged, but I do not see why I am being penalized for the bank 's mistake on managing the escrow account. Now my monthly fee for escrow is more than the principal and interest and the amount required I can not afford. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received documentation approving an extension on the deferment I had for my mortgage. My mortgage is with XXXX XXXX XXXXand I had applied for the deferment as I am a landlord and I wanted to give my tenants some flexibility in paying their rent since they were having problems with employment related to COVID. Though the approval was through XX/XX/2020, XXXX XXXX XXXX incorrectly reported me as delinquent on my mortgage for XX/XX/2020. XXXX  and XXXX  have fixed the inaccurate information but despite attempts from XXXX XXXX XXXX to correct this issue, Equifax has yet to remove the inaccurate delinquency from my Equifax report. I will provide documentation from XXXX XXXX XXXX showing the approved deferment along with correspondence I have had with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>