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

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX  Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX -- {$710.00} XXXX XXXX XXXX XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have a Platinum Card from XXXX XXXX, which does not have a preset limit as many charge cards do n't. For that reason it is not really easy to calculate the credit utilization on the card. As a shortcut Experian has the solution by taking the ever highest charge on the card as the limit. So because I charged the card for XXXX in a certain month they set the limit and such. So if XXXX accepts to charge higher they should set the limit to that new value. In my case though they froze it XXXX. The card was charged XXXX - instead of updating the limit as XXXX they reported the account as above the credit limit. When I complained about this they create a dispute with XXXX, although I told them XXXX is not at fault, it is their calculation that is faulty. However they will not listen to me. This month I had XXXX charge on the card, and on Experian I am above the credit limit while XXXX will say there is no such preset limit. Talking to their support is like talking to a wall. Experian needs to see they are not above the laws and regulations and correct their mistake. Either they have to remove the credit limit on that account or the have to update it with ever highest charge on the card like XXXX and XXXX do.
Product: Credit card

Prior complaint closed prematurely - prior to actual completed investigation taking place. 
Facts : XXXX XXXX XXXX sent an email solicitation to me for a credit card to use on XXXX XXXX  purchases with specific terms. XX/XX/XXXX One purchase was made on card for {$5100.00} on XX/XX/XXXX - email invoice submitted that same day. No other purchases were made. 

FNBO was supplied a Billing Error Dispute on XX/XX/XXXX for a charge on XX/XX/XXXX ( trans date ). Also, the billing terms were incorrect compared to what I signed up for. and my refusal of acceptance under these different terms. The dispute was submitted by mail, via FNBO 's website billing portal, and by fax to XXXX per the billing statement. I received an email message confirming receipt on XX/XX/XXXX. A copy of the invoice was submitted with said dispute. A fax of the XXXX by merchant was later sent to FNBO on XX/XX/XXXX. 

As an aside, FNBO has stated that they are not sure what the billing error is At this time, we are unable to determine the error that occurred with the information that we have received and after viewing your account. You will need to work directly with the merchant. 
First the dispute letter speaks for itself, and the facts are clear. However, during this supposed exhaustive investigation that FNBO claims it performed, how did FNBO not request a copy of the same invoice from the merchant. FNBOs ignorance is not justification to ignore the law. Also, the merchant agreed that I refused the merchandise - and agreed to return it. What is unclear here?

FNBO has also violated the Fair Credit Billing Act and other government statues with its failure to comply with proper communication in the 30- and 60-day timeframes as stated by statue these are mandatory fines. 
Regards, XXXX XXXX
Product: Consumer Loan

I got a credit card from this company and after paying it for two years I lost my job making it hard to pay, now i want to pay this debt off with an agreed amount but this company keeps changing the amount and wont give me a statement as to the agreed amount and if they will remove this from my credit report ... 
please see attached letter
Product: Debt collection

Your team submitted my claim to the wrong company ..you submitted the concern XXXX instead XXXX XXXX -- -- -telephone number XXXX these illegal account sharks change their name/daily sometimes they call themselves Nationwide debt XXXX and sometimes they are called Debt Management Solutions XXXX XXXX XXXX
Product: Mortgage

Two weeks ago I received a letter from SPECIALIZED LOAN SERVICING. They are my current mortgage lender. I refinanced and started paying my mortgage with them in XXXX of 2020. The letter I received stated beginning XXXX, XXXX, 2020, my monthly mortgage payment will increase by the amount of {$130.00}. This increase was based on estimated shortfall in my escrow. It stated that this is based on an anticipated increase in taxes as and/or insurance. I have verified that there is no increase anticipated in taxes and/or insurance. I have determined, through the numerous people I have spoken with at SPECIALIZED LOAN SERVICING, that this amount is actually based on an unpaid balance from my previous lender. In all of the time I have been paying my mortgage, I was never made aware of this unpaid balance. The letter did not indicate this and made up a dialogue about escrow to obtain these funds from me. This communication is unethical. I have spoken to the XXXX XXXX team members four times. They have all been helpful and agree this is a problem they can not fix. I have been told I must speak to a Supervisor. Each of them has emailed and reached out to a Supervisor by the name of XXXX expressing the importance of this response. Despite my numerous attempts to speak to someone that can assist, I have not connected with anyone. I am going to have to remove my automatic withdrawal if this is not fixed soon as they will begin to withdraw the funds XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with 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 1 MONTH / 30 DAYS 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. 


XXXX 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 or other personal consumer reports

XXXX XXXX ( XXXX ). 
The financing of an automobile by a bank was not a consumer loan transaction where the sales contracy and areree of the automobile taking security in addition to the purchased automobile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. XXXX balance was not updated with me and reflects on my credit report as inaccurate the vehicle was a total loss and it creditor would have acted in good faith and did proper procedures of contacting me after vehicle was sold at auction my gap insurance would have paid for the remaining balance Im asking thats this debt be removed due to law. This is not verified information and contains eras that trigger violations of fcra and fdcpa. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX v. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact existsXXXX XXXX XXXX XXXX XXXX.Delete these items immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Subject : Request for Removal of Charge-Off Due to 1099-C Cancellation Under FDCPA & 15 U.S.C. 1681 ( e ) ( b ) Dear Credit Bureau, I am writing to formally request the removal of a charge-off from my credit report associated with BANK OF AMERICA and account number ending XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( b ), credit bureaus are required to maintain maximum accuracy and fair reporting.

I have received a 1099-C Cancellation of Debt form for this account, indicating that the creditor has discharged the debt. Since the IRS treats this debt as canceled and taxable income, it is no longer legally enforceable. Reporting a charge-off and a canceled debt simultaneously is inaccurate and misleading under the FCRA. 

I request an immediate update to my credit report reflecting the removal of this charge-off. If this item can not be verified as legally collectible, it must be deleted as required by law. Please provide written confirmation of your findings and the actions taken within 30 days. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a continuation of Case #  XXXX .   XXXX    XXXX   XXXX   XXXX   XXXX  not respond, which is part of the original complaint. Very distressing, and appears intentional.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Phone XXXX They did not remove this account from my report and my social security number was compromised and used to open accounts in my name without my knowledge and permission. I became aware of this in XX/XX/2019 and I have been fighting this ever since. They refused to remove this fraudulent account that has nothing to do with me. 

I want it removed immediately because it is not my account and it is preventing me from getting a legitimate mortgage because it is negatively impacting my credit score.
Product: Checking or savings account

I used cash app for my paychecks to be direct deposited. On XX/XX/2023 my phone was stolen by an associate of mine. I captured the individual on camera coming out of my house using my phone on XX/XX/2023 at XXXX XXXX at XXXX XXXX there was a code requested from cash app sent to my phone. Then at XXXXXXXX XXXX my cash app pin was reset and at XXXX XXXX  all the money in my cash app was sent to someone I do not know by the name XXXX XXXX XXXX ''. When I woke up and noticed my phone missing I viewed the person on camera with my phone and went to their house and ended up getting my phone back from them. That is when I seen they made the transaction of all my funds in the amount of {$1200.00}. I contacted the police and made a report and made a claim with cash app. Cash app denied my claim saying that it was authorized. After submitting all the information I had to the detective working on my case this person was arrested, charged and prosecuted with the theft of my phone, cash app card, ID and the money in the amount of {$1200.00}. I then submitted another claim providing this information to cash app on XX/XX/2023 and they claim they denied my claim again and sent me an email on XX/XX/2023 but I never received any claim denial from them on that date or any correspondence in regards to the latest claim I submitted on XX/XX/2023. It is clear from the evidence I have that I did not authorize this transaction and according to cash app 's terms and conditions I should be fully refunded for any unauthorized transactions but they are refusing to approve my dispute even with the police report showing the person was charged and prosecuted for stealing this money. I need help with getting this money back. There is no one that will help me with getting this money back from cash app. I have nothing left I can do. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. 

This account needs to investigate and correct for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I was notified by my credit report that I was behind on a payment and that my score was suffering because of it. After investigating I come to find an account on my report that was not opened by me. A XXXXXXXX credit account was opened under my name on XX/XX/2023 with a credit amount of {$XXXX}. The account is issued by XXXX XXXX.. The balance of the account was {$XXXX} at the time I discovered it. I received a statement in the mail stating that the account was XXXX payments past due and the new balance was {$XXXX}. At this time I then called XXXX to report the account as fraud and to close the account. I was informed that the account was suspended and that they would start an investigation. I recall the person I spoke with going over the charges and dates from the purchases on the account and I believe they said the purchases were made in XXXX. I am located in XXXX XXXX, not XXXX. I received a letter in the mail from their security department regarding the fraud investigation and they claim that the account is not fraud and that I am still responsible for the account balance. I have never opened an account nor ever made any purchases from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 60 ) days late on the XXXX XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The property was sold in XXXX, 2019 and the lates that are still reporting are XXXX and XXXX, 2019. This account was closed well within the grace period allowed and consequently, the lates that are reporting are in error. These lates need to be removed from this account. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


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

I sent a letter onto remove items 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 items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023.
Product: Credit card

Company Reporting information I do not know or wish to have reported. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I've tried to apply to a bank and was told that Chexsystems has a security freeze on my account. When i contacted Chexsystems they told me that there isn't a security freeze on my account and couldn't disclose why i was told there's a credit freeze. I tried to apply to a XXXX  credit union, who told me the same thing, that Chexsystems has placed a security freeze on my account. 

I want the security freeze permanently removed from my credit report and file at Chexsystems and XXXX