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

To Whom It May Concern : This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report.
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. 

Account name : XXXXT XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-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 reasonable cause to believe that the information is inaccurate.
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 accounts 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 the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

XXXX XXXX called and left a voicemail from XXXX asked to call back at XXXX ext XXXX. I did not return his call ... .then I get this text from XXXX XXXX NMLS #  XXXX from Amerisave Mortgage Corporation ( XXXX ) number XXXX. I sent a text back with just " opt out '' and received 4 more text. I also received an email at XXXX XXXX Sunday the XXXX of XXXX. I sent an email back with just " opt out '' Today XX/XX/XXXX I received a call from Amerisave again and continuously said to opt out and the loan officer continued to speak. This is a violation and needs to be dealt with asap with this extreme violation.
Product: Credit reporting or other personal consumer reports

I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. XXXX XXXX XXXX was included in the bankruptcy. They have now in the month of XX/XX/XXXX added the debt back to my credit report. They are aware that the account they have from XXXX at XXXX was discharged. They then attempted to pass the debt to my son. They are stating that he was a co applicant. However, he was a minor at the time. He was not of age to be on the lease. I have advised this debt collecting agency of this several times. Now they have added this account back to my credit file. At this point, I will seek legal action because this is causing emotional distress. I will definitely be reporting to the bankruptcy court of their continued attempts to still collect a debt that was discharged in federal bankruptcy. This lease was never a co- applicant lease. He was a XXXX  living with his mother. I have been more than patient with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Ive sent a couple Cashapp transfers to cashtag profiles of the wrong individual, then become aware, in at least one occasion ; the profile I sent to was a old duplicate or dormant account of the actual person I intended the transfer. So upon recognizing the error, when finding the correct cashtag handles ; I resend transfers, as well as request refunds for the error, but Ive been told that completed transaction cant be refunded! And as previously mentioned Im sure of the wrong recipient XXXX  profiles being obviously activated but without current activity for anyone to receive any transfer sent it. Ive mentioned this to cashapp team but they dont have a clear answer beyond not refunding completed transactions. My concern is if transferred funds are completed into stagnant accounts, and no refund is given, where does those funds end up?
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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. 

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!
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : 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 am writing to notify you that I am a victim of a data breach and to request that you block and delete all fraudulent inquiries listed on my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following inquiries are a result of the breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made as a result of the unauthorized data breach, and I request that they be blocked and deleted from my credit report.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX SSN : XXXX EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX Subject : Request for Removal of Unauthorized Hard Inquiries - Based on the FCRA Dear Sir/Madam, I am writing to formally request the immediate removal of the hard inquiries listed on my credit report that were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b, credit bureaus may only include credit inquiries in my report if I have given explicit and verifiable permission to the company that conducted the inquiry. 
After reviewing my credit report dated ( XX/XX/XXXX ), I have identified the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these inquiries and did not provide written or electronic authorization, making this a violation of Section 604 of the FCRA. As a consumer, I have the right to dispute any inaccurate or unverifiable information on my credit report. 
Requested Action : I request that you immediately investigate these credit inquiries and provide proof of valid authorization within 30 days, as required under FCRA 15 U.S. Code 1681i. If you are unable to verify authorization, I demand that these inquiries be removed from my credit report immediately. 
I am attaching a copy of my identification and proof of address to verify my identity. I expect a written response confirming the removal of these inquiries. 
Sincerely, XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report XXXX Account Number : Please correct/update this inaccurate information on my credit report. 
XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF EDUCATION/XXXX Account Number : This account is inaccurate and XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number :. 

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.
Product: Mortgage

In XXXX XXXX XXXX my wife change home owners insurance carriers. She went from XXXX XXXX to XXXX XXXX insurance. During the process of transitioning, they are saying there was a lapse of XXXX day. The new insurance came in effect on XXXX XXXX and the cancelled out insurance was cancelled the XXXX of XXXX. However, during time change It was not mention to me by XXXX it would not be enforce until after midnight of XXXX. Now, my mortgage is giving us a very high insurance when we already had XXXX ask me to send a letter from XXXX XXXX showing no lapse in coverage alone with a letter to remove the escrow home owners insurance which I have sent to Freedom Mortgage Company. 
Now, we have been paying our property taxes and insurance with no lapse in coverage and now they are not releasing us from this insurance they given us that we can not afford to pay. Our mortgage has never been late, our property tax and insurance has been paid on time. Freedom Mortgage has treated us unfairly with the great payment record we have is no reason to force this insurance on us. I feel mistreated by Freedom Mortgage and as a XXXX XXXX XXXX XXXX Veteran it is sad. When my wife call this mortgage company they would keep her on hold for almost an hour. I am asking for removal of the home owners insurance. Thank You, XXXX XXXX XXXX
Product: Debt collection

InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.
Product: Checking or savings account

I deposited a check to the bank 's physical ATM on XX/XX/year> in the amount of {$730.00} as a banking customer. Due to the banking holiday this check began processing on XX/XX/year> & my accounts were blocked the same day because the XXXXraud department stated they were concerned if it was a legitimate check. Per bank guidelines for the XXXX account I had, it stated the check would process & then deposit on the next available business day. I called 4 times on Tuesday the XXXX to ensure I could do whatever necessary to get my accounts unblocked, each time I was transferred to a different Fraud representative who advised me of conflicting information such as one time it was an issue with me changing my PIN when I first became a customer & then was told it was the check deposit. I was told they needed a verified phone number to the check issuer to validate the check. Between Tuesday & Thursday, I gave them 3 separate phone numbers in which they told me they couldn't utilize because they weren't populating as verified numbers in their system. I then reached out to the check issuer who called the Fraud department & called me back stating they had validated the check issuance & confirmed the check had been cashed by the banking institution so I shouldn't have any further issues. In all, I have spent 4 business days on the phone trying to resolve issues within their so called Fraud department only to get a notification today Friday the XXXX that both accounts I had were blocked & were being closed within the next 60 days for a violation. When I called their internal Fraud department again three separate times & asked for clarification on what violation I had committed, multiple representatives refused to answer what so called " violation '' I had committed. I also went into a physical banking branch & was not able to get further assistance since it was with the Fraud department. They have not resolved my issue since my last call nor issued my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to address the issues with the company numerous times by phone and Letter see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I wrote to XXXX, Experian and XXXX  asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -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: Checking or savings account

Wellsfargo Bank charged me lots of money on overdraft charges between XXXX through XXXX.
Product: Debt collection

Ref : XXXX Account # : XXXX I am an XXXX account holder. The debt that alliance one is trying to collect should have been immediately applied to my XXXX prepaid account, as my license plate is and has always been tied with my XXXX account. Not only that, but the transponder was on hand when I passed the toll ( so I am confused why it even went to alliance one ). 

My XXXX account # is : XXXX My XXXX transponder # is : XXXX
Product: Credit card or prepaid card

This company is currently showing 30 days late ( XX/XX/2021 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiries on my Transunion Credit File on XX/XX/2019 and XX/XX/2019. 
Please remove both inquires immediately. XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX 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

My name is XXXX XXXX I set up a small business in my home which is known as " XXXX XXXX '' which is a small store for food, drinks, catering services and other professional services. 

I started Processing payment with square and square decided to deactivate my account without telling me when I'll be able to withdraw my funds after I sent the documents they asked for. 

I will never use square again because the people who got my service took the money back and square couldn't protect me in the charge back process, all they did was to refund and rule in the customer favour. 

Well, I have over {$2000.00} in my square account which square has taken the money because they don't allow me to withdraw it and they can't tell me when I'll have access to it. 

I've tried to resolve this with the company by emailing them but all efforts proved abortive. 

I want to company to tell me exactly when I'll withdraw my funds as I've read thousands of negative feedbacks from people who used square to process payment used square to proce
Product: Debt collection

Ar resources Inc Amount of debt owed : XXXX The collectors contact number is listed ( as shown ) ( XXXX ) - XXXX XXXX on XXXX XXXX website!

I wanted to payoff/settle the debt but incorrect documentation was listed on the contact information on XXXX  website. 

I don't think that it is fair for the consumer ( myself ), that I should have to take the full blame for the mistake. When the problem at hand could've been resolved in a timely manner instead of showing several months of past due on my credit report.