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

I have contacted all 3 credit bureau by certified mail two times with letters explaining all the information that is incorrect or that needs updating. I also requested verification of all accounts reporting debt. I also disputed online. I have sent certified letters directly to the collection agencies concerning inaccurate information and debt verification. I included with all a copy of a bill my drivers license and ss card. 

XXXX  - XXXX NO RESPONSE AT ALL IC SYSTEMS - XXXX THEY HAVE SENT ME CLAIM OF PROOF OF DEBT. 
THIS IS NOT IN COMPLIANCE WITH 15 U.S.C. 1692 ( a ) ( 1 ) - ( 5 ) UNDER THE NEW REGULATION F I did not receive verification with in 5 days of either attempt to the Reporting agencies on XXXX. XXXX, XXXX  or XX/XX/XXXX & XXXX, XXXX. Or verification by the collection company with In 5 days of reciept on XX/XX/2022. It. does not include any information about consumer rights to disputes and even clearly states that it does not state any of those laws. No information about the CFPB, or consumer financial product or service. Information on how to dispute a debt electronically or the date the validation period expires.
Product: Credit reporting

I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about XXXX, XXXX, XXXX, XXXX, synchrony amazon, synchrony care and XXXX. I will give account numbers upon request.
Product: Debt collection

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I need a credit report in English language. 

Do you already receive my XXXX form for FATCA identification? I have a problem with your representative to transfer information to head office of Equifax.
Product: Credit card or prepaid card

America Express Serve is horrible prepaid company. Everytime I use their card at the register and ATM I get nervous. The reason why because XX/XX/2018 purchased items card denied. Went to withdraw XXXX dollars but did not dispense but my online account for American Express Serv show the transaction did go through. I called the rep and dispute initiated. They said systems been upgrading since XXXX and that I'm not the only with this issue. Went through XXXX to get my money back was last cash I had and then this happen. Second XX/XX/2018 went to withdraw money and again did not dispense my money immediately logged online because I knew what it was going to say. Guess what yes it did say XXXX went through. I have receipt here for evidence. They have very bad reviews on XXXX and apparently I am not the only one.
Product: Debt or credit management

Lexington law told me that my negative reports on my credit would be removed and it wasn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act 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
Product: Money transfer, virtual currency, or money service

I was getting thousands of dollars from donations from people because my son and i video went viral. people was trying to request money from me on XXXX and cash app as a scam. i denied a few that came through on cash app. before i did i spoke with a person from cash app asking them would i be ok to cancel because my bank card was linked to my cash app i did not want anyone withdrawing money from my account like a friend told me happened to him. the agent told me that i would be fine. i received a text from a XXXX friend asking me why my cash app wasn't working.. i have a balance that i am trying to transfer to my back and cash app will not allow me. this money is donated to me and needs to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX 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

So I have problem with my PayPal account, they limited or blocked my account. I have followed their policy, previously they didn't give any warning or anything like that. Initially I received about XXXX from a software company partnership. On XX/XX/2022 I withdraw into my bank account about XXXX. Then the remaining funds I withdraw to the bank again on XX/XX/2022. A few days later on XX/XX/2022 they limited my account. I have filled in the data they asked for but this is not working. I hope CFPB helps me in this matter, as I can no longer access their platform. Thank you, best regards.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information in my credit report. Below are the details for your review : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Incorrect Addresses to be Removed : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Additionally, I request the deletion of the following previous employment records from my credit report : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Consumer Loan

BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT DATED FOR XXXX/XXXX/2015 AND HAS FAILED TO SEND ME PROOF OR REMOVE IT FROM MY CREDIT REPORT IN A TIMELY MANNER
Product: Debt collection

This letter is in response to all letters, emails, phone calls, or any other mediums of communication where Ive received notices from your organization. In accordance with the Fair Debt Collection Practice Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all this Cease Communication letter, and in accordance with the Federal Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place. 
If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S.C. 1692g, please send me a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am will aware of my rights and know that further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debit shall also be in violation of federal law. 
If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on XX/XX/XXXX and Im still seeing unauthorized inquiries on my report. Please investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed these are all the unauthorized inquiries and accounts that I would like removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I see that there are inaccurate inquiries on my TransUnion credit report that should not be there. The inquiries are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I authorized Capital One ( via my capital one mobile app ) to transfer {$4000.00} from my external account at XXXX XXXX XXXX XXXX to my capital one savings account on XX/XX/year>. I selected XX/XX/year> as the date the transfer should occur. On XX/XX/year> in my XXXX XXXX XXXX XXXX account XXXX ACH withdrawals to Capital One of {$4000.00} each were completed. I contacted XXXX XXXX XXXX XXXX and they said I had to contact Capital One as the ACH originated there. I contacted Capital One on XX/XX/year> to be told all they could find in their records was an authorization for one {$4000.00} transfer and they had no record of the second ACH transfer for {$4000.00}. XX/XX/year> I viewed my account at XXXX XXXX XXXX XXXX and a third {$4000.00} ACH Capital One transfer was completed. I viewed my Capital One account on XX/XX/year> and it showed 2 {$4000.00} ACH transfers completed and one pending. I contacted Capital One and they said it's an issue the bank identified yesterday that is also affecting other customers. They had no time frame or how it would be resolved. Of the 3 {$4000.00} ACH transactions I only authorized one. How can the bank automatically complete 2 in my account without my authorization. I believe they are in violation of bank laws regarding authorized transactions with linked external accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs with my notarized identity theft affidavit. 

I have never authorized or entered a consumer credit transaction with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed.

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

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

FLORIDA XXXX XXXX, XXXX XXXX  AND XXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} BANK XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I was given a HUD report by a closing agency, XXXX XXXX XXXX, XXXX. This information was to be given to me three days prior to the closing of my home, but was only given to me the morning of closing. In the report there was one very large loan in the amount of XXXX missing, which I could have caught if I had the report in time. The closing company also gave an Attorney my settlement information which I asked that they not do. The attorney ended up getting most of the settlement. I had given the closing company all of my loan numbers two months prior to the closing date, but this one large one was overlooked. I was contacted by the company and wired the money back to them. I asked at the time if they had error and ommissions insurance and they said no. They then contacted my mother and harassed her in making sure I wire the money back. My mother is in the XXXX XXXX business. When I asked my seller Agent about the HUD paperwork prior to closing on three different occasions, she stated that she never gives the HUD to sellers, only buyers. Her name is XXXX XXXX of the XXXX XXXX branch of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX got my XXXX report stating I have an unpaid dept for {$440.00}. 
I contacted United Consumer XXXX. XXXX XXXX XXXX VA XXXX On XX/XX/XXXX VIA phone disputing the charge because the charge was for my adult daughter I am responsible for her debts. 

I also sent them a certified letter disputing the claim which they received on XX/XX/XXXX. 
In the letter I requested any information stating i am responsible for my daughters medical bills. 

As of this complaint I have not heard from United Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit card or prepaid card

Re apple card account To whom it may concern im writing to see why my apple card was abruptly closed on XX/XX/2023 without and explanation when I called I was told to check the user terms that does not tell me anything I want a valid reason as to why this account was closed I have never been late on a payment and the account is current. I want this account reinstated. As a reminder you are not permitted by law to close an account for filing disputes. I have every right to do so if the merchant doesnt give a refund. In my case all the merchandise was returned to the merchant per thrir agreement and refunds never issued for it. I have reported this issue to the consumer financial protection bureau as well.. 

My ssi number is XXXX Thank you
Product: Mortgage

I try to submit original payment for mortgage amount and they rejected it because the amount supposedly changed so I resubmitted the new payment amount and by the time they inform me about the Miss payment information, they have already reported it to my credit supposedly by one day and they told me that theres nothing they can do about it
Product: Mortgage

After the pandemic, I called the mortgage company for a forbearance program in XX/XX/XXXX. 
Now I wanted to come out of this forbearance program and called the mortgage company last week on XX/XX/XXXX ; the mortgage company mailed the letter on XX/XX/XXXX, and its reach on XX/XX/XXXX to approved a deferral agreement of outstanding payment. To accept this, I need to pay {$1600.00} before XX/XX/XXXX. I called the mortgage company today and talked to XXXX and her ID XXXX and asked for the payment date to extend to XX/XX/XXXX. Because my payday is XXXX, XXXX told me they couldn't extend the date and would lose the house. XXXX is the supervisor for SPS ( Select Portfolio Service. their phone number is XXXX. They are threatening to foreclose the house.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

caller leaves a contact not from who left the message. states that we have unpaid debt which we do not have ant UNPAID debt. number calls from ( XXXX ) number to call back is ( XXXX ). They leave no name or company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that CORELOGIC XXXX XXXX  have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2020. On multiple occasions I requested CORELOGIC XXXX XXXX XXXX and XXXX to verify these inquiries. They have yet to do so.