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

I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries from my credit report due to my status as a victim of a data breach and identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
Below are the details of the fraudulent accounts that I am requesting to be removed : Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX o Current Balance : {$65.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$280.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1700.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$260.00} XXXX. XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} Unauthorized Inquiries Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$0.00} ( XXXX and XXXX ) XXXX - XXXX XXXX XXXX - Bal : {$1300.00} ( TU, XXXX, XXXX ) UNKNOWN - XXXX - BAL : {$75.00} ( XXXX ) XXXX XXXX - Bal : {$1000.00} ( XXXX ) XXXX XXXX - Bal : {$0.00} ( TU and XXXX ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX/XXXX - I was never 30 days late Unauthorized Inquiries : 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 am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
AXCSSFN/CNGO XXXX XXXX XXXX : {$0.00}
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  / XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 AM QUITE DISAPPOINTED THAT THIS ACCOUNT IS STILL BEING REPORTED IN EXPERIAN. THIS SHOULD BE REMOVED ALREADY AS THE OTHER BUREAUS WAS ABLE TO DO SO!! THIS IS A VIOLATION OF THE FCRA 605B!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked original plan documents and proof of late payments
Product: Debt collection

In XXXX of this year, I saw 3 different " marks '' on my credit report from PORTFOLIO RECOVERY SERVICES and I did not recognize the debt. 2 of the 3 not only were not recognized, they were fraudulently put in a status of " Dispute resolved ; customer disagrees. I sent them notarized letters via certified mail ( attached ) in late XXXX requesting VALIDATION of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } asking for PROOF on what the money is for, proof of signature ( and showing I agreed to pay - the contract itself ), proof they are liensed to collect, license numbers and registered agent, and other proofs. I recently went through a divorce in 2019 so I had reasons to believe it was not mine, but my ex-husbands. Not only did I not receive any contractual proof or signature, I received the WORST, more POOR communication back, saying that because they bought the debt as a 3rd party creditor that it is " VALID '', which is not only not what i asked for, but proof they are giving me the runaround. At this point we are planning a lawsuit - I am asking the credit bureaus, due to the lack of proof to remove this immediately from my credit report completely and to ensure it never shows up again. This debt is not only not mine, but no validation can occur on a debt that is not mine. This company is violating law and should be looked into for unfair and fraudulent business practices. 

The accounts are as follows : NAME : XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNTS : ( CREDIT REPORT ATTACHED ) ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX POOR RESPONSE BACK ( SHOWING NO CONTRACTUAL PROOF ) ATTACHED TO COMPLAINT. cerified mail copies that were sent to them are also attached! Credit report attached.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I purchased a pair of shoes from XXXX  and paid with an Afterpay virtual card in the amount of {$500.00}. On XX/XX/22 XXXX  issued a partial refund in the amount of {$55.00}. I contacted Afterpay because the debit card I had on file with them initially to pay back my purchase has since been closed along with the bank account. With Afterpay the purchase is split into 4 payments. My first 2 payment were paid with the debit card that has since been closed and my last 2 payments were made with my new debit card. I wanted to inform them of such so that they dont credit the closed card since the bank will reject the refund due to my account being closed. The refuse to give me a straight answer on this issue and insist on crediting the closed account when they know I wont receive the refund. Its seems as if Im being given the run around and that they are trying to keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank is reporting an erroneous late payment on my credit file. I recently checked my credit file and noticed this debt. Due to circumstances under the pandemic i was not able to make this payment on time. I have had this account for a long time and have been really good about keeping this account in good standings. I am experiencing hardship due to the pandemic and that put me in a really tough situation. Paying my bills on time is always an priority but this totally out of my hands. I am asking that Capital One remove this debt from my credit file.
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX is charging me the wrong amount. I have showed my deposit was XXXX and showed them my pet deposit was XXXX I sent them money order recipes XXXX. I also informed them I was not liable for bed bugs. It dose not show on my lease I am responsible. The lease dose not show a leasing agency signature. The XXXX apartments have been threw so may new owners that have been in so much dept. I have never been late on rent. That is why they are trying to get more money from me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS. 

XXXX also. Submitng the hard inquiries that was in a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. Additionally, I sent a letter to dispute with " XXXX XXXX XXXX XXXX  and the dispute address was invalid as the mail was returned to sender ( Picture attached ) Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Therefore the " XXXX XXXX XXXX XXXX  needs to be deleted because the information is inaccurate.

According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete accounts if it isn't reporting accurately.

Also. 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.

Lastly, these accounts arent in compliance with metro 2 credit reporting. I have evidence to prove my case.

If your company doesnt honor my request to remove the above-mentioned alleged accounts, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to so formally express my concerns regarding Zelle handling a dispute particularly in light of the CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that retrieving those lost funds were impossible to tracking these transaction were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also repeated allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of account and transparency is unacceptable and raise a serious concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX contacted me after I sent them a cease and desist about an invalidated debt. They made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Product: Mortgage

On XX/XX/ we had a major water loss at our home. After dealing with our insurance company for months to give us a fair settlement to make the repairs our funds were sent to us with our mortgage company PennyMac named on the payment. We endorsed all funds to PennyMac and were in an understanding that they would release funds as needed to so we could make the repairs to our home. The repairs for our claim are over {$200000.00} and after the depreciation which is being withheld by our insurance carrier PennyMac has been sent approximately {$140000.00}.

PennyMac has delayed funds being released countless times and we have not been able to make repairs in a timeline that is compatible with our insurance policy coverage for our additional living expenses ( rental home, storage of our contents ). I have called PennyMac over and over and spent hours on the phone with them explaining we need the funds to make the repairs. They tell me that the repairs we have made are not up to the percentage they see fit for the amount that we have. Our house was taken down to the studs and we have repaired plumbing, electrical, insulation, drywall, doors installed, walls textured and ready for paint. 

We need to order cabinets and flooring and construct our bathrooms. They keep telling me that they need to see these things done before they release the money. We can not afford to pay for those items up front. That is what the insurance money is for. They are simply refusing to give us the money to pay our contractor. My contractor has spent a considerable amount of time on the phone with them as well explaining we need the money to keep repairs going and they still refuse. I explained to them that I feel they are holding our money because they have it invested and are gaining interest on it. They don't want to give us the money so they can keep gaining from our loss. 

What they are doing to us is completely unethical and they are acting in bad faith toward us. We need them to release our funds to us to complete our repairs so we can move back into our home. We are coming up on 1 year since our entire house flooded and PennyMac does not care.
Product: Checking or savings account

well fargo been down for days and can not get my money and pay my bills and they are not giving any answer to no one.
Product: Debt collection

Continues to call after asked for verification. States I will be served or arrested. 
Continues to call from numerous numbers across the country to mask their company.
Product: Money transfer, virtual currency, or money service

( 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 ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces-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

This company was notified via attached email and PDF notice that, This provider did not render any services and attempted to modify and add terms after receiving funding. 

They also tried to redirect me to a different provider entity at a different location for the promised services. 

These actions indicate an intentional effort to defraud customers out of deposits. XXXX XXXX has been made aware of these deceptive practices but has chosen to continue its business relationship with this provider, effectively aligning itself with these fraudulent actions against unsuspecting customers.
Product: Credit reporting or other personal consumer reports

I am requesting that review my credit profile and identify any inaccuracies in the listed accounts. I understand that complete compliant reporting is mandatory, and any disputed allegations associated with a non-compliant account are not compliant if not proven to be true, correct, complete, timely, or mine. I request that remove any challenged or disputed misinformation immediately by fully deleting each instance, including any aspects of the unproven reported chicanery. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I do not authorize the bureau to report non-compliant information and you must comply. 

I am now enacting my consumer and civil rights to demand that Equifax remove any non-compliant information through full and permanent deletion or provide adequate testimony to document your compliance with XXXX XXXX data formatted reporting regulation standards. Failure to remedy this will lead to my rightful civil actions to seek monetary resolution via a court in my jurisdiction. 

Please provide information on how you have verified these items, along with physical proof of verification. No entity may include adverse information that lacks physically verified validity of truth, accuracy, completeness, and compliance to XXXX XXXX standards. I appreciate your attention and cooperation in bringing my credit report into 100 % complete compliance.
Product: Student loan

I have submitted XXXX forms in their portal and called the company XXXX times telling them that my daughter is a full-time student and that my payments for the ParentPlus shall be deferred while she is in school. They confirmed that she is in school but my payments have not been paused. I had to make a payment so it would not be in default. They say that chat is available but it is never available. Wait times for calls exceed XXXX hours. I spoke with XXXX customer service reps to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$8200.00} U S DEPT OF EDXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00XXXX XXXX XXXXXXXX Balance : {$0.00} AXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

I have the following unauthorized and wrong inquiries showing on my credit report with Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Zelle advised monies would be available and they stated no and funds were available late. Zelle has also sent money to wrong recipient without help getting monies. {$250.00} is the amount in question