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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint. 

Items that need to be disputed : XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - {$0.00} - Late/closed XXXX XXXX DC XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK OF XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} - Late/closed XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX DC XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Credit card

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting

Phone Numbers, Addresses, & Inquiries Associated With My Credit To Where I Am Unable To Acquire An Annual Credit Report For The Inability To Answer The Questions Truthfully
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, 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, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company FED FIN SVC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I submitted a complaint back on XX/XX/XXXX regarding the one 30 days late payment I had on this card which was accrued after the passing of my father. I was granted a removal of the late payment from my credit report via a letter from BMO Harris Bank. Fast forward to today, XX/XX/XXXX, I open my XXXX and the payment has been placed back on my report with no written notification to me which is a direct violation of consumer protection laws.
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Approximately  XXXX   XXXX ,  2017  I sent a copy of a certified letter and a copy of a returned mail to Equifax stating and showing they are reporting inaccurate information so I asked them to delete the account and information. The envelope was addressed to  XXXX   XXXX .
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Financial Loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent account from my credit report. As a victim of a data breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) to have the following account blocked and deleted from my credit file : Fraudulent Account : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00}
Product: Credit reporting or other personal consumer reports

I have notice these accounts that i didn't apply for nor have any Knowlegde of knowing can you please look into this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose. 
15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Credit reporting

I requested a investigation into a falsely reporting tradeline with equifax , they received the request XXXX XXXX, as of today its been 37 days with no response from Equifax.
Product: Credit reporting or other personal consumer reports

n 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or 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: Credit card or prepaid card

I received an email on XX/XX/XXXX that my new credit card was being shipped to an address I was not familiar with and should arrived in 3 - 5 days. I had no prior contact regarding this action. 
When I called the individuals name was provided which was foreign to me. My credit card was cancelled and a new one is being issued. When I asked how they could issue a card without first contacting the principle account holder to confirm, I was told that if the full card information is available they will add the individual and send out the card. I asked if the last four digits of my social security number was provided since that is always requested of me. I did not get a direct answer. 
At my request, I was transferred to the Fraud Department who could add no further detail but did mention that the information is easy to obtain on the dark web. 
When I went to Florida in XXXX I conducted some business with the bank through my XXXX. The next day I got an email indicating my account had been accessed from a different device and that no action was necessary if it was me. 
I believe the policy that allows a credit card to be issued without checking with the principle account holder abets fraud. It is unimaginable that with the ease of acquiring personal information that this would be permitted. 
No financial loss occurred so the Sheriff 's Department closed the case but did establish a record. No answer as to whether or not the bank would initiate any action. 
The company is Wells Fargo. It begs the question as to whether or not representatives get a stipend for new cards issued.
Product: Debt collection

On XX/XX/2019, Citizens One notified me that my credit card on file that was used to make automatic payments was expired. The link included in the email took me to a loan that had already been paid and had a {$0.00} balance. A credit card update could not be performed since the balance was {$0.00}. This email came every month, taking me to a loan of {$0.00} balance. 
It was later discovered, after a new personal loan was denied by Citizens One, that the email was in reference to a different loan than the one linked in the email. By this time, I could not access the appropriate loan using Citizens One mobile banking as the loan had already been sent to collections. 
I was never given the chance to make payments on the correct loan because Citizens One failed to send the correct information and did not explain in XXXX how the correct loan could be paid. Citizens One also did not make any attempt to contact me by phone or postal mail prior to sending my account to collections.
Product: Checking or savings account

XXXX had a breach in 2022 it's public information to look up lawsuits taking place I was told I was part of that breach I had no idea it happened until I was told I was in and out of hospital dealing with this and felt like I was discriminated against by the bank because I'm poor and sick my identity was stolen and XXXX was dragging everything out they still are dragging it out, it's a complete mess I tried to send money via XXXX pay which also runs through XXXX and the receipt from receiving person sent me copy it had a totally different person 's name I was robbed had to call bank continuously and nobody knew what they were doing it was very scary I was frustrated upset crying I was laughed at hung up on etc I don't think a person should be treated that way I understand they have policies however my identity was stolen and I was punished for that and they closed my account while things were still under investigation not fair by any means
Product: Credit reporting or other personal consumer reports

I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( XXXX, XXXX, equifax ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.
Product: Credit reporting or other personal consumer reports

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 recently submitted a dispute to Equifax via certified mail with return receipt # XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX. Concerning my consumer report being incorrectly frozen or incorrectly merged with that of another consumer by Equifax. To date I continue to be prevented and Blocked from retrieving my personal credit reports from Equifax via XXXX XXXX XXXX website. As this is not an isolated issue. I have complained to CFPB and had this issue escalated to XXXX XXXX XXXX. which operates XXXXXXXX XXXX XXXX Equifax is one of three co-founders of XXXX. Which makes it legally Equifaxs responsibility to assure that consumer credit reports are being released with the utmost accuracy. If not, this is a direct violation of the FCRA Act. I submitted a complaint to XXXX XXXX XXXX via CFPB website XX/XX/XXXX. To make it aware that I was being blocked from retrieving a free copy of my consumer credit reports. Which are my rights according to the FCRA Act and federally mandated. To date XXXX XXXX XXXX has failed to correct the issue. I am still being blocked from accessing my consumer credit reports. Which is a blatant violation of FCRA Act. FCRA Act section 15 U.S.C. 1681e ( b ) mandates that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If these procedures are not followed, it is a violation. The FCRA requires that the credit reporting industry implement procedures and systems to promote accurate credit reporting. On numerous occasions the consumer has made XXXX aware of this issue and requested it to be corrected to no avail. Despite actual knowledge of my credit file being mixed possibly with that of another consumer and or inaccurate. Equifax has failed to correct and continues to illegally block me from my consumer reports at XXXX XXXX XXXX Which means Equifax could be guilty of readily selling false information to third parties. As I have no way of retrieving, reviewing for errors, and disputing inaccurate information.
Product: Credit card or prepaid card

This is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. I will be filling another complaint for XXXX XXXX  also. Here 's what the original complaint stated. Thanks The consumer filed a Balance transfer online with CITI cards. The amount was for {$7700.00} to be transferred to the consumer 's XXXX XXXX  account. However, the consumer accidentally gave them the wrong account number. The consumer had XXXX accounts and that one was closed. XXXX then sent back the funds to Citicard through a check in the mail on XXXX XXXX. The check was cashed/deposited on XX/XX/2020 The consumer has a copy of this check from XXXX. Citicard says they never cashed it but XXXX XXXX  says they did. Almost XXXX year later and the consumer can't get it fixed. Citicard has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXXXXXX XXXX, Louisiana XXXX XXXX has come XXXX our attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is our new debtor ( s ) as of XX/XX/XXXX in the year XXXX? 

Hello, we are your new XXXX XXXX XXXX. Although, the company/companies have only purchased a piece of paper called a ( Title ) and not our property due to we, the living and breathing man and woman living in the land and soil jurisdiction of, The United States of America XXXX XXXX and having paid our property at the closing of the day on XX/XX/XXXX in the year XXXX with the extraction of our credit in return for our property at, XXXX XXXX  XXXX, XXXX XXXX XXXX Louisiana XXXX XXXX also taking 10 times the amount of our loan to loan to others. We have the promissory note that states it is our property. Apparently, this was not disclosed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX for your piece of paper ( Title ) in exchange for your payment to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX