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

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of 30-Day Late Payment Mark from Credit Report Due to Inaccuracies Dear Sir/Madam, I am writing to dispute the accuracy of the 30-day late payment mark that appears on my credit report provided by XXXX. After carefully reviewing my payment history, I believe this late payment mark is inaccurate and unfairly impacting my credit score. I kindly request that you investigate this matter and remove the late payment mark from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX Inconsistencies and Violated FCRA Sections : 1. **Inconsistent Reporting - FCRA Section 623 ( a ) ( 1 ) ( A ) : ** XXXX reports a " No. of Months ( terms ) '' as " 18, '' while Equifax shows it as " 0. '' This inconsistency in reporting violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information to consumers. 

2. **Reporting Credit Limit for Installment Account XXXX FCRA Section 605 ( a ) ( 6 ) : ** XXXX, XXXX XXXX and Equifax report a " Credit Limit '' of " {$0.00} '' for an installment account. However, installment accounts do not have credit limits, and reporting such information is inaccurate under FCRA Section 605 ( a ) ( 6 ). 

3. **Inconsistent Past Due and Payment Status - FCRA Section 607 ( b ) : ** The " Past Due '' amount and " Payment Status '' for the XXXX XXXX account are reported differently across all three credit bureaus. XXXX reports a " Late 30 Days '' status, whereas XXXX and Equifax do not specify any late payment status. This inconsistency in reporting the payment status violates FCRA Section 607 ( b ), which mandates accurate information maintenance and consistent reporting across credit reporting agencies. 

4. **Inaccurate Late Payment Mark - FCRA Section 623 ( a ) ( 2 ) : ** The presence of a 30-day late payment mark on my credit report is inaccurate and is negatively affecting my credit score. FCRA Section 623 ( a ) ( 2 ) requires credit reporting agencies to promptly correct and update any inaccurate information in a consumer 's credit report.

I request that you conduct a thorough investigation into these discrepancies and remove the 30-day late payment mark from my credit report as soon as possible. Once the correction has been made, I request that you provide me with written confirmation of the update, as required by the FCRA. 

Enclosed with this letter are copies of supporting documentation that substantiate my claims regarding the inaccuracies in the late payment mark. I urge you to address this matter urgently to restore the accuracy of my credit report. 

Thank you for your attention to this request. I look forward to a swift resolution and the removal of the 30-day late payment mark from my credit report. 

Sincerely,.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App. 
( Block , inc ) due to inadequate customer service unfair practice. which violates 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 requirement under the electronic find transfer act ( EFTA ) and regulations E. These actions. Has caused significant inconvenience and financial loss, and I seek appropriate appropriate redress for this violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX   XXXX
Product: Checking or savings account

XX/XX/XXXX my wallet was stolen in the XXXX airport before heading on a vacation. I later found out someone had gone to withdraw all of the money in my checking account and also max out my credit cards. I bank with Capital One and they have done a horrible job at investigating the situation and allowing me to get my money back. They determined it was theft, but I still havent had access to my money and its been a month. I have had no access to ANY of my accounts and have had to resort to borrowing money from friends and family so that I would be able to pay rent and buy food. They finally gave me access to just one of my accounts and allowed me to transfer money to my girlfriend, but its been three weeks and she still has not received the money transfer. Capital One claims its in transit, and have given us MANY different times of arrival for the moneybut it still hasnt shown up in her account despite them having the correct bank, checking, and routing number. AT NO POINT have they allowed me to get a temporary card. To me this is unheard of, as I know many people who get temporary cards when their money is stolen. I have been working and havent even had access to any of my pay checks because they havent given me access to my accounts. I am basically about to be XXXX because I am not able to pay any of my bills and I cant survive without money for any longer. I have gotten no where by speaking to the employees or the higher ups, and at this point Im afraid my {$23000.00} dollars I have worked hard for is gone forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX 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 states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the Report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received emails to my email account from Moneylion.com telling me that my phone number had been changed on the account, that a bank card was on the way to the address listed on the account, and that a virtual card was ready for use. 

The problem is : I never opened a Moneylion account, and though I am American, I do not live in the United States and have not for several years. The address on the moneylion account is an American one in my hometown, but not an address I recognize. 

The phone number on the account is in XXXX, Texas, a place I have never visited. My name, though misspelled, is on the account. I can not view the social security number they used so i can not confirm if they used mine or someone else. I subsequently changed the password on the account to lock out whoever was using it, so all they have done is upload {$190.00} to a XXXX account. 

The same day, I submitted two complaints to the company via their online submission form telling them that someone had opened an account in my name and with my email and that I wanted it closed. I only received one response telling me to call. I have called, via XXXX XXXX ( which used an American phone number ), and got no answer. 

There are no options on the website, either computer or mobile, to close the account.
Product: Checking or savings account

Opened Citibank checking account onXX/XX/2018, signed up for promo to get {$200.00} when you open checking account and deposit {$1500.00} in the account and maintain at least {$1500.00} for 60 days. Today is XX/XX/2018 and still have not received promised bonus.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Equifax credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law.

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Equifax credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Equifax to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter.

Thank you for addressing this matter with the urgency it deserves. I trust Equifax will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

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

I sent a letter to the credit bureaus and the creditor on XX/XX/XXXX which was received by certified mail XX/XX/XXXX. I never got a response all I see is that they changed my account status to open and show a monthly payment frequency. Thus account is closed and being disputed for accuracy. They never sent contract or to show proof this ia my account all they do is say it is verified. Consumer portfolio services updating my account to show open with monthly payments is a direct violation of my FCRA RIGHTS. also the credit bureaus who allow them to show account charged off but open is in accurate reporting and also a violation of my FCRA rights. They both can be sued for each violation they continue to make. I have multiple certified letters asking for all documents for this account. After this step I will take legal action against them and the credit bureaus for abusing their reporting authority in a defaming way towards me. I will be seeing for each individual violation which is {$1000.00} per error according to the FCRA.
Product: Credit reporting

I have a credit card that does not show on my Trains Union report. How do I get credit card on my score?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here is the list of items that do not belong to me or were opened without my permission.
Product: Mortgage

I am filing for a loan modification through the program harp set by the government because i am behind my mortgage payment with Ocwen mortgage servicing, llc, and the relationship manager for my case have encouraged me to do so since the principal amount and interest have been accumulated to {$21000.00} u.s and the bank will not consider a deffered mortgage payment. However, i need help to obtain the modification with OCWEN mortgage, because all papers ' work has been filed and sent to the bank three months ago. But the bank consumer department issued a relationship manager to help with each case.However, this relationship manager by the name XXXX XXXX working for the bank has developed a tactic to prolong the papers'work by extending the scheduled appointment each time for next month under the pretext that my papers works or documents are not completed so that the principal amount for the mortgage will be accumulated every month and the interest accrued before sending my application for loan modification to proper authority or government agency for practical review. I inquire and suggest a torough investigation to be conducted by the consumer finance department about my loan modification application for my property and the time consuming to obtain my approval and all the papers works which were provided to them along with my application. 
. 
In the hope to hear from you ... .. i salute you in the three points of the triangle..
Product: Checking or savings account

Hello, I am a XXXX at a top-tier university and was trying to consolidate my downpayment in one account-Citi Priority checking account for a home purchase. I deposited XXXX over three days from my XXXX  and XXXX  XXXX XXXX accounts to my Citi Priority checking account. They froze my account and terminated my account with no notice. I was about to lose the home we were ready to purchase due to this inconvenience. I want to understand my rights, and how they can disable my access to my hard-earned savings. I attempted multiple times through phone, visiting a branch, and talking on chat but no respect and luck. I am willing to learn what are my legal rights and complain about this disaster operation that Citibank conducted
Product: Debt collection

This company has started reporting on my XXXX  as of XX/XX/2020, and XXXX as of XX/XX/2020, exact date of being added I dont know but was on my credit as of XX/XX/2020. I only discovered the placement of these derogatory items from this company that I have never heard of prior to seeing them on my credit file. I have never heard of this company before spotting them on my credit files, never entered any agreement with them, and never had a communication from them. 
I researched this company upon seeing them on my credit files and see that they have many countless violations of the law and complaints issued about them. This is a serious concern to me in that I find it troubling to have a company with such a shady track record to have access to my information and files about me. They have not established their permissible purpose under the FCRA in accessing my credit files. 
This company opened these accounts more than five  days before I typed and sent this complaint and yet has not mailed me a validation letter of such debt. So they have made an initial contact by placing this derogatory information and yet they are violating the law in disregarding the Fair Debt Collection Practices Act by not fulfilling the validation of debt requirement offering me the chance to respond by demanding validation from them, denying me that lawful right. 
I am demanding of this company all documentation they have on file regarding this alleged account ; signed contract showing the existence of an account, the accounting showing the amount they are demanding, or the full and total deletion of this account from all of my credit files Credence is placing the account on, and their deletion of any and all personal information they have in their possession regarding me, and not to resell this alleged account. I have also demanded verification of this alleged account through the credit bureaus the account is placed on.
Product: Vehicle loan or lease

I went to purchase a vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made a few payments before I found out about the Uniform Commercial Code, Fair Debt Collection Practice Act, Fair Credit Reporting Act, Trust Law and Contract Law. Which explains the XXXX XX/XX/XXXX XXXX I asked Exeter Finance who claim to have loaned me some money for the vehicle a few things I've learned. This what I asked : Expressing The Trust Agreement To Settle The Debt. Everything is a XXXX because there is no money, there is no value available to be given as consideration. So a XXXX fills the void. Trusts were put in place in XXXX XX/XX/XXXXwith the taking of the gold. Exeter Finance colorable contract is wrapping and hiding a XXXX at its core and the gifting of the 'res judicata ' or the principal of the XXXX forms the corpus of the XXXX. A Trust which I Am the XXXX and Beneficiary of and Exeter Finance are the Trustees and assumes Fiduciary responsibility for managing those assets and carrying out the purposes of the Trust. My signature and Social Security number was the representation of the XXXX and all my past, present, and future labor, i.e. my assets. It's impossible for Exeter Finance to have ever loaned me any money. My signature and my Social Security number is the res judicata, i.e. the value and the principal. I Am XXXX XXXX here as Beneficiary of this XXXX Agreement. I Am asking ; Will Exeter Finance as Fiduciaries of this Trust Agreement, do what is necessary and best for the Trust by settling the debt to this Account XXXX? PLEASE ONLY CONTACT ME IF ITS CONCERNING DOING WHATS NEEDED TO SETTLE THE DEBT. 

Exeter never responded back by mail nor called to handle the matter. Instead they attempted repossessing the vehicle. It failed so they reported to my consumer report as Charged Off. I reached out to get my Title and I still haven't heard any thing.
Product: Checking or savings account

My account was placed on hold after I transferred {$2000.00} from my North Carolina account with XXXX XXXX XXXX  to the new account at Great Western Bank. They will not give me a reason why it's on hold. I can not get anyone to give me more than there first name for identification. They say they can hold my money for 10 days with no reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute trough all three credit bureaus -- XXXX, XXXX and XXXX -- regarding my now-closed Synchrony Bank Amazon Store Secured Credit Card on or around XX/XX/XXXX. I stated that this account is more than seven years old and therefore too old to be on my credit report. When Synchrony Bank responded to the dispute, they incorrectly reported that the account status is " 60 days past due. '' This is not possible. This account was closed with a XXXX balance in XXXX. When Synchrony Bank responded to the credit report disputes, they incorrectly reported that this account status is " 60 days past due, '' which has not adversely affected my credit score and ability to obtain credit. This account is closed and paid in full. Also, it can not have a current account status of " 60 days past due '' because the account is closed. Furthermore, the account never went 60 days past due, so this is even more incorrect. There are two errors here : The account was never 60 days past due and the current account status is being reported incorrectly as 60 days past due. The account status and derogatory account information must be updated and corrected. Finally, the payment history on this account never once shows that this account ever went 60 days past due. So, it's impossible for this account to be reported currently as 60 days past due. I have included screen shots directly from my XXXX credit file to substantiate my claims.