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

COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; XXXX XXXX FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, Authorized Agent for XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/XXXX ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but XXXX XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX $ XXXX XXXXOpen date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court XXXX XXXX , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I have had a couple instances myself where this has caused me issues and misuse of funds.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against Early Warnings for reporting fraudulent activity against me, which they have obtained from XXXX XXXX. It is my understanding that as per the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies are required to provide accurate and complete information. It is, therefore, concerning that Early Warnings continues to report inaccurate information, as they have documented that they do not have any evidence to substantiate their claims. 

I called, faxed, and mailed early warning and let them know the information in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. This is aggrevated identity theft and against the law per XXXX XXXX XXXX XXXX. 

This inaccurate report is not only detrimental to my rating, but it is also causing significant personal distress. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure that Early Warnings complies with the FCRA by removing all inaccurate information from their records. 

I look forward to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX  XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX WASHINGTON DC XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As everyone knows at this point, last week XXXX had a data breech of 143 million Americans ' Social Security numbers. Included in that leek was the  numbers of my family members. I have placed Fraud Alerts for each number, however these alerts are only temporary ( 90 days ) and are simply alerts - they do not prevent would be criminals from stealing my or a member of my family 's identity. 

Each of the reporting companies are currently charging $ XXXX {$15.00} per social security number to freeze and unfreeze access to that number 's credit history. This amounts to $ XXXX {$45.00} per person in my household. For the rest of my life my identity has the potential to be compromised and the credit reporting agencies - that any competent court will find is guilty of gross negligence - are attempting to extort money out of their mistake? 

This abuse is not simply isolated to credit freezes. In an attempt to capitalize on XXXX 's negligence, XXXX has reorganized their website yesterday ( XXXX/XXXX/17 ) to hide their credit freeze page behind a paid credit monitoring tool. XXXX, in a clumsy attempt to reduce potential liability, tried deceiving Americans they harmed by offering " free '' credit monitoring for one year - all you need to do is agree to an arbitration clause that was hidden in the Terms and Conditions. Without doubt some of those " one-year free '' accounts will lapse into the next year, ultimately increasing revenue foXXXX XXXX, the same company that compromised 143 million American 's identity. 

No member of the American public ever gave consent for XXXX, Experian, or XXXX to be custodians of our social security numbers. For us to be expected to pay for their gross negligence is not simply irresponsible, it contradicts the foundations of accountability and representation our great country is built on. 

You say in the instructions of this form to not include personal information such as my name, account numbers, address, and Social Security number. Yet, due to this breech, any criminal can find this information for a small fee. My personal information will in time become part of the public domain. Both the Consumer Financial Protection Bureau and Congress have a duty to act on behalf of the American people.
Until a solution can be agreed on in Congress, I urge the Consumer Financial Protection Bureau to take action in compelling the three major credit reporting agencies to 1 ) make credit freezes free for those impacted by the data breach and 2 ) make the credit freeze option easy to find.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I found there are two XXXX XXXX XXXX credit cards accounts on my Experian credit report that don't belong to me, under an address I have never lived at. I have since disputed with Experian. Called them numerous times that they always come back saying information is accurate on their end, and wouldn't remove the accounts or address. I contacted XXXX  XXXX XXXX numerous times. They couldn't find the two accounts under my information. They sent me a letter to confirm it. I sent the letter to Experian and continued to dispute the two accounts. They still come back with results saying the two accounts were confirmed to be mine. 

On XX/XX/2019, I filed report with local police. The detective is working on the matter for me. He told me also file a complaint here.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Experian : The account inaccurately reflects XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, despite timely payments being made. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, Experian, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for XXXX Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I had XXXX XX/XX/2016. I believe I lost my wallet either on the day of at the hospital or later when I was unable to take care of myself. I did n't realize it was missing untill around XX/XX/XXXX or XX/XX/XXXX. I called the police and notified my bank. Bank of America had already frozen my accounts. I filed a claim with I 'd theft.gov got my credit report and followed appropriate steps to prove that my cards were stolen. I even wrote down the location of the arms so police could see whoever was responsible on camera. The bank of america risk management was beyond rude closed my accounts for no reason other than they told me it looked like the same person using the atm that had used it prior to date my card had been taken. That is a complete and otter lie on their part. My card and checks were used out of state even. Just having XXXX no way I could have done all these transactions. I prepared all this documentation mailed it to an address they provided me only for them to tell me they found it best to consider the charges mine and close my account. I am XXXX and have no way of paying all the charges of someone who stole my identity. Now I feel as if I have been victimized by the person who took my wallet and bank of america. No protection from them at all when that is exactly what theg claim. XXXX XXXX
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. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXXount name : XXXX XXXX XXXXccount name : XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

Company will not remove account from my credit report even after I submitted documents proving account has been paid
Product: Credit card or prepaid card

Received a letter that states, " Our records indicate that a previous credit card account that you held with Barclays Bank Deleware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' It has been beyond 10 years past my bankruptcy which is not supposed to be held against me. I have no idea when I had a Barclay 's Bank Card.

I think that this is unfair as I have worked very diligenty to repair my credit after my first divorce!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer disputing this information that being reported on my credit file. I am overstanding my right as XXXX stared by law XXXX XXXX XXXX. I am demanding you to remove from my credit file immediately. 

XXXX. Remove Middle name is inaccurate ( XXXX ) XXXX. Employer is inaccurate ( XXXX XXXX. )
Product: Mortgage

Since taking out this HELOC every payment that I have sent to Loandepot takes anywhere between 13-18 days to receive and applied to my account. All of my other creditors are receiving payments mailed on the same day in 3-7 days. I can provide copies of checks and when they were posted. However, the payment that I just made on XXXX XXXX XXXX was not received until XXXX XXXX XXXX. I called Loandepot on XX/XX/XXXX to find out where my check was because it was not cashed. I spoke to two people and no one could find the check. After the call ended the check was applied. Each person I have spoken to tells me that I should make my payments via online or by telephone because the mail service is not reliable. However, as I stated above all my other creditors are receiving payments in a timely manner by the same postal service. It is my belief that loandepot is holding payments to increase interest and or charge late fees to its customers -- on my current month they charged me a late fee of {$20.00}.
Product: Credit card or prepaid card

They are increasing the APR from XXXX to XXXX that is a big hike and increase and I can not afford it if they decide to increase I am going to be rejecting a change and once the balance is paid off, I want them to remove it out of my credit report completely. I would like a letter stating once my balance is XXXX they will remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons. 
Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc. 
Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XXXX, the default order in XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. Equifax has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I was notified by XXXX XXXX that beginning XX/XX/2022 my mortgage loan servicer would be XXXX XXXX. Per the letter notification I began making remitting my payment to XXXX XXXX. 

I recently pulled my credit report and XXXX XXXX is report mortgage late payments for the months of XXXX, XXXX and XX/XX/2022. This is a RESPA Violation, as my payment was not late. 

I am refinancing my loan and have been denied due to XXXX XXXX erroneous credit reporting. I have reach out to XXXX XXXX requesting a letter that I was not late. I also requested then to correct the error with the three Credit Bureaus. I have not received any response for XXXX XXXX. 

The situation is adversely affecting my ability to refinance my mortgage loan. 

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

On XX/XX/XXXX, I discovered that XXXX  XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number XXXX.
Product: Debt collection

Pursuant to the Fair Debt Collection Pr actices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Product: Money transfer, virtual currency, or money service

Two days ago ( XXXX-2024 ), I created a Square account to use for my cleaning business. I sent an invoice to a client through Square, which the client paid yesterday ( XXXX-2024 ). Immediately after my client made the payment, Square deactivated my account and is now holding my funds for 90 days. I received an email from Square, which they claimed would explain the reason for the deactivation. However, the email did not provide any specific reason for their decision. 

I have since called Square multiple times to request clarification. Each time, Ive been informed that the decision is final and am repeatedly told to refer to the terms of service. Upon reviewing Squares terms, I noted that while it states Square can terminate accounts for any reason, it also implies that an underlying reason exists for termination decisions. I asked Square representatives to either provide me with the specific reason for this deactivation or to release my funds, but I am consistently told they do not need to provide any reason and am repeatedly disconnected from support calls. 

I feel Square is withholding my money unfairly and without explanation. I need either a clear reason for the deactivation or immediate access to the funds paid by my client.