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

I hereby submit this complaint in response to the recent investigation. I disagree with the findings and request complete accuracy. I am dissatisfied with the efforts made to rectify the reporting of information on my Experian report. Consequently, I seek further clarification on the following items in question within my Experian credit report : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023. As previously stated, pursuant to FCRA section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report # XXXX You are granted fifteen ( 15 ) days from receipt of this correspondence, in accordance with 15 U.S.C. Section 1681i ( 5 ) ( A ), to complete these actions unless otherwise notified. Failure to verify within this timeframe constitutes non-verification, necessitating prompt deletion as per Section 1681i ( a ). Kindly inform me, pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, upon the erasure of the mentioned items. Subsequently, please furnish an updated copy of my credit report to the aforementioned address.
Product: Debt collection

action finance inc . 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX they call me before XXXX at work and we dont open til XXXX so all calls are transferred to my bosses line. they call back to back using different numbers XXXX, XXXX XXXX, XXXX they call 5 times a day to my job and i tell them they cant call me here because i can not receive personal calls and im getting in trouble here at work for them calling. i cant answer my phone until i get on lunch break.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Services # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Product: Checking or savings account

Someone is using my social security number to open accounts with XXXXXXXX XXXX XXXX  and Chase Bank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I ordered a discover card on XX/XX/XXXX, it never arrived. I became aware that the card had been nearly maxed out. I contacted Discover and was advised that I needn't worry, they would cancel the card and the charges, issue a new card, and that I " definitely won't have to pay for those charges. '' 4 months later, the charge is back on my account, the " investigation '' determined that since the charges were within a certain radius of my home ( a radius in which over 9 million people live ), and since the card was activated, the charges are my responsibility. I have repeatedly attempted to get the investigation team to tell me exactly what information they want me to provide them in order to prove I had nothing to do with this, and I have followed their suggestions to the best of my ability, but they refuse to even reopen the dispute at this point. I have filed a police report, a report with XXXX, since it was stolen from the mail, I filed an incident report with the XXXX, I obtained and provided copies of my phone records to show that I didn't activate the card. I have sent them copies of my XXXXXXXX XXXX timeline showing I was not in the area of the retailers where the charges were made on the days in question, I have called them multiple times to attempt to resolve the issue and sent them a great deal of corroborating documentation. They refuse to reconsider their erroneous finding.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to XXXX but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues XXXX for Sham Investigations of Credit Report Errors, XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online. 
I would like to delete inquires, collections, late payments from my credit report ; from XXXX, TransUnion and XXXX. This hard ship is stopping myself and family to buy a house, car, loan also. 
15 USC 1681e ( b ) : This section outlines the " compliance procedures '' that CRAs must follow to ensure the accuracy of consumer reports, including reasonable procedures to verify information and investigate disputes raised by consumers.

15 USC 1681s-2 : This section specifies the responsibilities of " furnishers of information '' ( entities that provide data to CRAs ) when a consumer disputes the accuracy of information in their credit report. It requires them to investigate the dispute and report the results to the CRA.

15 USC 1681i ( 5 ) : This section details the process for handling disputed information within a consumer 's credit report, including the requirement for CRAs to reinvestigate disputed items and provide the consumer with the results of their investigation.

15 USC 1681c ( c ) : This section outlines the specific requirements for information that must be included or excluded from a consumer report, including limitations on how long certain adverse information can be reported DELETE ALL NEGATIVE ITEMS OFF OF MY CREDIT REPORT ; COLLECTIONS, INQUIRES, LATE PAYMEMTS OR CHARGE OFFS.
Product: Student loan

The loans were filed to be removed with the department of education directly and we still havent resolved the deletion of the now {$32000.00} which was supposed to be forgiven an deleted in full from the incompetent school advisors doing fraud
Product: Checking or savings account

The company I bank with, Wells Fargo, won't stop posting and clearing debit transactions that I have already paid for. For example, if a valid purchase is paid out of my checking account, Wells Fargo re-runs the transaction 1-1/2 to 2 weeks later and sends my account into massive overdraft.
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF FRAUD.MY CREDIT HAS BEEN STOLEN FROM ME, MY ENTIRE LIFE. IT WASNT UNTIL I GOTTEN OLDER, THAT I START TO UNDERSTAND ABOUT THE RESPONSIBILITY ABOUT CREDIT AND I STILL HAVE NO BIG CLUES.I WANT THE FRAUDULENT ITEMS TO BE REMOVE AND TO KNOW WHO OPEN THESE ACCOUNTS UP AT WHAT LOCATION OR IP ADDRESSES.I AM ALSO REQUESTING MOST OF ALL, THAT THE FRAUDULENT ACCOUNTS AND FRAUD ITEMS BE REMOVE FROM MY CREDIT REPORT, ASAP, ACCORDING TO THE FAIR CREDIT REPORTING ACT SUCSECTION 605B, ANYTHING THAT I BELIEVE WAS POSSIBLY FRAUD MUST BE REMOVE, IF I REQUEST IT. I DONT BELIEVE, I KNOW 100 % A FACT. PLEASE MAKE THESE CREDIT BUREAUS REMOVE THESE ACCOUNTS. XXXX NEVER EVEN DID A BLOCK, THEY INSTEAD BLOCK A SINGLE INQUIRY. I HAVE ABOUT XXXX ACCOUNTS THAT IS FRAUDULENT AND SOMEONE IS USING ONE OF THE ACCOUNTS AS WE SPEAK, THATS A XXXX XXXX XXXX XXXXALSO IF THEY VERIFIED THESE ACCOUNTS BEFORE THEY EVEN REMOVE THESE ACCOUNT UNDER THE FCRA 605B, THEN I WILL WANT THEM TO EXPLAIN WHAT LAW AND CASELAW PROVIDES THEM TO DO THAT.
Product: Debt collection

problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX ( only credit reporting agency to do so ) has published derogatory information on my credit report as a result of fraudulent collection attempts by Columbia Debt Recovery LLC, dba Genesis. The basis of the derogatory comments is a result of XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease with a XXXX XXXX ( XXXX XXXX ) at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN. The lease specifically stated that utilities would be billed individually by unit and XXXX XXXX XXXX on attached lease, page XXXX of XXXX -item # XXXX. Upon noticing that my utility bill was escalating dramatically on a month-to-month basis ( example-gas increased for ~ $ XXXX to over $ XXXX ) I questioned management on why this was happening. After weeks of no response, residents received a notice via email ( attached ) that utilities would be " allocated '' across all residents, and this was now a term of the lease. This unilateral decision to alter voided the lease and also left it illusory. After not receiving any response from management questioning this move, and fearing other unilateral alterations, I choose to move out given the voided lease. XXXX then contracted with Columbia Debt Recovery to attempt collection who began contacting me for unwarranted and illegitimate collection. On XX/XX/XXXX I requested all relevant lease documents ( including XXXX notice to tenants and unilateral modifications to the lease ) as well as all email correspondence between myself and XXXX management. I received no information and Columbia Debt Recovery efforts ceased. In XXXX of XXXX I noticed a significant drop ( from XXXX to XXXX ) in my credit score, driven by the derogatory remark posted by Columbia Debt on the XXXX site XXXX My dispute to XXXX was rejected. This is a result of inadequate research on the part of XXXX and lack of transparency by Columbia Debt. I will also be filing a complaint against Columbia and XXXX.
Product: Debt collection

XXXX XXXX via XXXX sent information to a residence I have not occupied in 3 years in XXXX XXXX XXXX, XXXX, PA XXXX. 

I occupy a different residence of which has already been sold and now moving at XXXX XXXX XXXX, XXXX, PA XXXX. 

This debt also was my ex boyfriend who fraudulently used my credentials to get the XXXX XXXX, I was willing to pay the debt though, even though it was not mine it was XXXX XXXX who occupied the residence at XXXX XXXX XXXX at the time I left several years ago. He may still reside here but he is an ex for a reason and I do not speak to him anymore.
Product: Credit reporting or other personal consumer reports

RE : File # XXXX -Late payments reporting on my TransUnion consumer credit report To whom it may concern, I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. I recently received an updated copy of my TransUnion consumer credit report. I noticed some late payments posted on my consumer credit report related to the following accounts : ACCOUNTS ACCOUNT # XXXX XXXXXXXX Reporting violations 30-60- day lates in XXXX of XXXX ; 30- day late in XXXX XXXX XXXXXXXX ; 30-120- day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Reporting violations 30- day lates in XXXX and XXXXXXXX XXXX XXXXXXXX ; 30- 120- day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Reporting violation 30 day late in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting violation 30 day late in XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Reporting violations 60-90- day lates in XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reporting violations 60-90- day lates in XXXXXXXX XXXX XXXXXXXX ; 30-90- day lates in XXXXXXXX XXXX XXXXXXXX TransUnion is in clear violation of the law. Under 15 USC 1681b Permissible Purpose of Consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any credit reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer credit report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above-referenced accounts and a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX I need my dispute claim Claim Reference Number : XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. 
My name is XXXX XXXX XXXX and contact me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( XXXX  ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have no complied with my request. I regret that I am being forced to take such action.
Product: Checking or savings account

Hello, on XX/XX/XXXX, I opened a checking account with citi bank where I receive my full time jobs income. I did some online shopping at stores like XXXXXXXX XXXX XXXX XXXX and on XX/XX/XXXX, when I was trying to pay for an item at the store, my card was declined even though I have plenty of funds. So I decided to call Citibank bank and they said that the fraud department is putting my account on hold due to suspicious activity but they can not tell me exactly why or what transaction triggered their system they also restricted access to my online banking account so I cant even transfer money out of my account. I have no money anywhere else to buy food or get through the week and the bank told me I need to wait for a letter in the mail and once I receive this letter they may be able to proceed. I never received an alert or an email or any type of communication for citi bank notifying me that my account was going to be restricted. I found out once I was at the store trying to pay and I had to call them to find out what is going on. I am desperate and dont know what to do. Not to mention, when I first opened my account, I went to my nearest citi bank to request a physical temporary card they refused to help me. I had called customer service twice to make sure I would be able to get a temporary card while I received the main on the mail and customer service agent yes, this was a service they provided but at the physical branch they refused to help me.
Product: Credit reporting or other personal consumer reports

Over the past nine years I have been affected by several different data breaches. These incidents started as far back as 2017 and have not only compromised my personal information but have also led to significant challenges in managing my credit. I have reached out to my creditors and credit bureaus multiple times to request proof or clarification regarding these negative items, but unfortunately, I have not received any clear resolution. As a result of these breaches and the subsequent impact on my credit report, I have noticed a steady decline in my credit score, which is causing me considerable concern. I believe that these negative entries do not accurately reflect my creditworthiness and are a result of circumstances beyond my control. I'm challenging all negative marks, collections, charge offs, hard inquires and late payments on my credit report with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PROFESSIONAL FINANCE CO Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL FINANCE CO I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.