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

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Account XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax to REMOVED unauthorized inquiries 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 any accounts or information not later than 4 business days. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,
Product: Debt collection

Wakefield & Associates did not produce an agreement between the said company and I that authorized the company collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Wakefield & Assoicates to provide the agreement under penalty of perjury. Wakefield & Associates attached a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). Wakefield & Associates also said that another company " referred '' the alleged debt. This is referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? A sale, transferal, nor referral subjects me to any unlawful act under the FDCPA. No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Wakefield & Associate to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Wakefield & Associates stating all facts which includes each violation and the damages that you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They need to take the off my credit it got more that ten years and some of them there more that three time and paying on them
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and XXXX be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ), your reporting agency XXXX be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting XXXX for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Product: Debt collection

The company has filed information that has damaged my credit ( XX/XX/2013 ) amount {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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 XX/XX/XXXXXXXX {$3800.00} XXXX XX/XX/XXXXXXXX {$3000.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never appliedXXXX XXXX XXXXXXXX XXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now XXXX cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Product: Debt collection

XXXX XXXX and affiliated company is stating that I have past due medical or ambulance debt from the XXXX XXXX XXXX XXXX I have never lived in XXXX XXXX or needed medical services from them and I am a victim of identify theft. I have health insurance via my Employer and go to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX / XXXX Account Number - XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filling 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 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, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification for dispute initiated on ( XX/XX/2024 ) and the subsequent response received. 

RE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please send the following information used to verify of XXXXXXXX XXXX XXXX XXXX  debt XXXX. 

XXXX : The name of the original creditor XXXX : The creditors address and telephone number XXXX : The persons name they verified the dispute with XXXX : The documentation used to verify the dispute XXXX : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.
Product: Bank account or service

I would like to make a complaint for a security investment that I had with HSBC bank. I had this investment for a while and when I went to check on it in XXXX XXXX they advised that I did not have this particular investment. HSBC invested my monies with XXXX which was later transferred to XXXX XXXX, XXXX ( address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) which then was deposited in my HSBC account after maturity. I went to HSBC several times and they advised that they were unable to locate over {$100000.00} worth of my investment. The last time I followed up with this was in XXXX and the financial advisor showed me my investment on their system however when I went to check on it on XXXX XXXX to withdraw the monies the financial advisor told me that I did not have an investment. I have been investing with HSBC for 32 years and have multiple accounts with them however this was my biggest investment that I had for retirement. My financial advisor XXXX XXXX has not been able to locate the investments I had done in my early banking years with HSBC. The branches that I did these investments with are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. I think fraud has been done to my account because these investments I had have vanished and I am getting no help from the financial advisors nor an explanation from other bank representatives.
Product: Bank account or service

I recently became aware that for the last 2 years, I have been charged {$5.00} to make a payment on my credit card, inside a CHASE bank. The teller NEVER mentions the {$5.00} fee and this fee is not reflected on my payment receipts. It is usually deducted from my XXXX XXXX XXXX XXXX account 5 or 6 days after I 've made the payment to CHASE. Today, around XXXX, I called CHASE, and spoke to a Customer Service Supervisor by the name of XXXX who informed me that unfortunately there was nothing the bank could do about this.
Product: Debt collection

XXXX and XXXX Called me, my husband and mother-in-law stating they had a summons and had questions about a property address. They also said ( XXXX times ) that this was their final call. They made it sound like some sort of emergency, I was given a case number. They call themselves the XXXX XXXX, and are asking for a social security number.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DEPTEDXXXX - XXXX 2. DEPTEDXXXX - XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XX/XX/XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In XXXX of 2023 I was a victim of an employment scam. I had sent money through Venmo to the scammer with fraudulent checks the scammer had sent. Causing the bank to take the money from my own account due to fraudulent checks. When I discovered this was a scam I contacted my bank to put stop payments with the bank and with Venmo since they had requested to send the money through Venmo once fraudulent checks were sent. Venmo did not issue the stop payments leaving me with a negative balance on Venmo of XXXX. They did not issue the stop payments for whatever reason. I filed a report with the police. Since I was a victim of an employment scam and Venmo did not act efficiently enough they expect me to paid the owed balance. They call me frequently but do not leave messages or send mail to my home address. 

Falling for employment scams is humiliating, and degrading. I understand now the complex scams that people use by posing as recruiters, and having email addresses that resemble that of the company. These scammers pray on people trying to better their lives.
Product: Credit card or prepaid card

They have continually charged me extra interest apart from fees about having insufficient funds but charging me twice plus a few times of {$15.00} plus interest for payments they received.
Product: Debt collection

Did not see a category that fit perfectly. A debt collection company named Alliance One, XXXX XXXX XXXX XXXX XXXX, WA XXXX charged our credit card {$30.00} without our knowledge or consent. We have never been contacted by Alliance One in any way. When I called Alliance One they confirmed the charge based on the charge date, the charge amount, and the last XXXX digits of the credit card account, at which point they gave me a reference number. They did not ask any questions ( name, address, date of birth, etc. ) to confirm that I was the actual person related to the charge, which amounts to Disclosure of Verification of Debt. They transferred me to another person who then wanted all kinds of personal information but refused to explain who the company was, what the credit card charge was for, or how they got my credit card information to begin with. We had to have our credit card cancelled and a new card issued.
Product: Student loan

Currently I have 4 private student loans with Navient when I first began with Sallie Mae in XXXX for XXXX School. I currently have 3 co-signers for my student loans. I have been paying them back since XXXX at first when I graduated from XXXX in XXXX I placed my loans in forbearance costing me {$50.00} per period which was 6 months. When I was no longer able to put the loans into forbearance because Navient would not allow me to I was forced to begin paying the loans back however I was not able to afford the monthly amount, I then in XXXX began the rate reduction program which lowered my interest rate for each loan for a period of 6 months which helped me reduce my loan payments. The issue remained that all though I was in the rate reduction program the payments were only applied to the interest only and not very much to my prinicpal once the program ended and I had to reapply the monthly payments went back up and so did the interest and this continues to happen. XXXX of the requirements of the rate reduction program was that I had to submit my income statement but my co signers were not required this was fine however recently when I attempted to reapply for the rate reduction program they are requesting my co-signers to submit income statements and they are refusing because this was not required before and also I have been the only one making the payments. I am now several months deliquent on my loans because I can not afford to pay for the minimum due which is XXXX per month and Navient is refusing to assist with lowering the cost without my cosigner information. This is predatory and they have gotten several thousands of dollars on my student loans over the years and have not truly been applying the payments to my prinicpal so how was the rate reduction program truly helping me but actually causing me to go further into debt and not lowering the debt. Their lending practices are predatory and they continue to call and offer assistance to lower payments but will not work with me to lower my payments or a program that will get my balance down. i have been paying Navient for the last 5 years and not my actual loan amounts.
Product: Credit card or prepaid card

Website is always down when I go to make a payment, then get charged late fees because payment is late. Then I get harassed by them calling multiple times a day ( sometimes within hours of each other! ) when the payment is less than 5 days late.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2023, my online information was compromised ( financial, phone, and email accounts ). I had to go to my bank to close out a previous debit card due to unauthorized transactions on my account. I also noticed that an installment loan was taken out and added to my credit profile ( probably the same hackers who got into my email accounts ). I have been trying to cancel this fraudulent loan out since XX/XX/2023, but it seems Affirm nor the company that the funds were sent to are not interested in correcting the fraudulent unauthorized transaction- WHICH IS ILLEGAL. 

Having your identity stolen is one thing, but to have financial institutions drag out payments from your account for 7 months when you've reached out to them for SEVEN months to correct the issue is even worse. Are they that pressed for money that they allow fraud and identity theft predators to victimize hard working citizens. 

I WANT THIS LOAN CLOSED DUE TO IDENTITY THEFT AND ALL OF THE FRAUDULENT PAYMENTS DRAFTED FROM MY BANK ACOUNT RETURNED.