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

To Whom It May Concern : I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in XXXX5 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX Credit Card for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! 

Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

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

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, this inaccurate and unverified address must be removed asap from my credit report. XXXX XXXX XXXX I do not live at and I don't want my mail going to someone else with all the fraud that is going on right now. 
XXXX refuse to remove XXXX XXXX a employer I never worked for the other bureaus has
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX i just want to file a complianr about my account in my credit file, that reporting innacurrate late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Sent mortgage payment for XXXX/XXXX/16 to Ditech mortgage company.Received phone call on XXXX/XXXX/16 saying payment was not received.Produced bank statement that check for {$2100.00} was cashed by Ditech on XX/XX/XXXX16.Faxed statement to Ditech.Was credited mortgage payment of & XXXX on XXXX16.Ditech still has not credited my account for the {$1000.00} payment on the principle.I called several times, they refuse to credit the account claiming they do n't know where the money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$470.00}. I challenge the accuracy, compliance and report-ability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Product: Student loan

WF XXXX continues to report that ( XXXX ) accounts are currently 120+ days past due. This is false. They were CLOSED and SOLD, transferred nearly 5 years ago. My current XXXX report shows I am 120+ days past due in XXXX 2015. This is wrong and is severely impacting my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I have been receiving relentless robocalls from a collection agency for a payday loan that they claim I took. I have not taken one in many years. I did call the company back one time and they refused to identify who they were and they refused to send proof of the debt when I requested. They state that they have sent the proof to my email and physical address, however, when I informed them that I have not received any letters they still refused to resend. I confirmed that they had the correct email and physical address. They call multiple times per day and each call is a robocall. I told them if they are not going to validate the deby I will not pay it and to stop calling me and they have refused to stop calling me. I tried looking up their phone number and I can not find the name of the company. The numbers they call from appear to be spoofed but the call from XXXX, XXXX, XXXX, XXXX, XXXX XXXXThe calls of shown up on my caller ID as Radius Global and XXXX XXXX XXXX  but I am not sure how accurate either is.
Product: Checking or savings account

My tax return was deposited into my account, the next day XX/XX/year>25 I received an email stating my account was frozen because of suspicious activity. XX/XX/year>25 I received another email stating my account was permanently closed and I would have to wait 180 days to get my funds if they see fit I receive them. I was using my tax refund to pay my past due rent and bills. I was not able to do so because they froze my account. My children and I, have been evicted and now we have no home or money. I just want MY money
Product: Credit card

In XX/XX/2023, my vehicle was broken into, and my wallet, containing vital personal items including my bank card, was stolen. Subsequently, I promptly notified them to request a replacement card. Despite numerous attempts over the past twelve months, I have yet to receive a replacement card. Every time I reached out, I was met with excuses regarding delayed shipments and my address always being input incorrectly because I have an accent and speech impediment that makes it hard to understand me. 
Throughout this ordeal, my account has been subjected to wrongful imposition of interest charges and late fees, despite my consistent efforts to address the situation and pay off my actual balance. Despite my attempts to rectify these erroneous charges, the company has persisted in its unjust actions, further exacerbating my financial distress. To make matters worse, my account was abruptly closed without prior notice, and I have been unfairly subjected to negative reports on my credit history for non-payment of a card that was never issued to me.
Product: Payday loan, title loan, or personal loan

I signed a proposal with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Arizona XXXX, License # - XXXX XXXX XXXX ) for installation of solar panels on XX/XX/2022 which quoted a monthly payment of {$110.00}. No information was provided regarding the total number of payments, payment frequency or the payment due date. Also, it was not disclosed that the financing rate was only guaranteed based on a 0.5 % discount for an automatic withdrawal. When I received the loan paperwork on XX/XX/2022 it had all the proper disclosures but a payment of {$110.00}. That's {$1300.00} more over the life of the loan than promised. I complained to both XXXX and GoodLeap but neither company has taken any action.
Product: Checking or savings account

I am failing a complaint against JPMorgan Chase bank for failing to release my funds after my account was closed. I received an email saying that my account was going to close, and it closed on XX/XX/year>. I was told that my remaining balance would be sent to me via cashiers check by XXXX XXXX XXXX no later than that, but I did not receive the check by those dates. I called chase multiple times to follow up. On my second call, I was told the check would arrive by XX/XX/year>, but once again I did not receive anything by that date. On my most recent call, I was told that my funds are now on hold. Additionally, I received a letter about my savings account stating that a check would be issued. However, I have not received the check for my savings account balance either. By law, chase can not hold my funds indefinitely and is required to send me any remains balance within 10 business days of account closure. As of today, it has been well beyond this timeframe. This delay is causing serious financial hardship as the funds include my financial aid, which I urgently need for school and living expenses, but it has also taken a significant toll on my mental health. The uncertainty and lack of communication have caused me XXXX XXXX  and XXXX XXXX making it extremely difficult to manage my daily life.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE XX/XX/XXXXDAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX# XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX section XXXXXX/XX/XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXX XXXX 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 XXXX years. 

XXXX U.S.C XXXXXX/XX/XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this Late payment off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. Client did not opt in at any time for the bureaus to report their student education records.
Product: Payday loan, title loan, or personal loan

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015
Product: Debt collection

This erroneous debt has been passed around from one collection agency to another. This erroneous debt was supposedly taken out in 2014. I had filed a police report concerning identity with my local police dept. XXXX County Police Dept Report # XXXX. Throughout repeated collection attempts neither I the collection agencies have attempted to substantiate that I took this loan out. The new owner has reaged this debt that different collection agencies have been harassing me about for 10 years.Thsi debt has reached the statue of limitations.When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate.If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3500.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621
Product: Credit reporting or other personal consumer reports

In accordance to 15 U.S. Code 6802 I am officially Opting out of all Credit reporting from the following companies This notice to all Creditors of accounts shall now serve as official Notice a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are now put on notice to Never Report any type of information to Credit reporting agencies With the law as my supporting documentation
Product: Debt collection

I received a letter dated XX/XX/2020 from AMSHER COLLECTION SERVICES , INC. notifying me that a debt of {$100.00} had been placed in their office for collection. I did not recognize the debt and had never been notified of it previously, so  I called the Original Creditor ( XXXX XXXX XXXX ) and they confirmed that they had no record of me ever owing them this charge. 

I mailed a letter to AMSHER requesting verification of the debt  within 30 days of receiving the notice. On XX/XX/2020, I received a letter from AMSHER dated from XX/XX/2020, stating that they received my notice of dispute and that they would contact the creditor with a request for validation on the account and would provide me with documentation they received as a result. 

It has been 30 days since they sent that letter stating that they received my notice of dispute, and I have not received any documentation or verification of the debt from AMSHER. The account is now showing on my credit report with XX/XX/XXXX and XXXX  as open and as a derogatory mark. 

XXXX  deleted the account when I contacted them about the issue, but XXXX  and XXXX  has a comment on the account that states " Account information disputed by consumer, meets FCRA requirements ''.
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union and XXXX has failed to fulfilled his legal obligations under the fair credit reporting at FCRA to conduct a reasonable investigation of the disputed information on my credit report, leaving an accurate or unverifiable accounts, unresolved the consumer financial protection bureau CFPB has already filed a lawsuit against XXXX transfusion XXXX Alleging, systematic issue such as failing to forward, consumer provided evidence to are furnishers, accepting a reliable response, responses, and failing to adequately notify consumers of dispute outcomes. These failures align my experience where these Credit companies has neither. corrected or resolved no removed disputed items. Despite the evidence I provided, causing ongoing harm to my Credit standing I am requesting immediate corrective action to removed or amend the disputed accounts, as these Credit companies in actions violate federal law to my rights as a consumer.
Product: Credit reporting 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. 
Convergent Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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: Money transfer, virtual currency, or money service

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

Remove - ID FRAUD VICTIM ALERT FRAUDULENT
Product: Checking or savings account

Accounts wrongdully closed with money in them and money never returned
Product: Debt collection

I disputed this debt with equifax because I do not owe anything to Midland Management LLC for a XXXX Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to Asset Acceptance/XXXX and cashing it on this account for XXXX XXXX. They have now reported to equifax that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX