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

It has been Well over XXXX  Days since I asked for reinvestigation, I have not received a reply from you or any acknowledgment that an investigation has begun. 

I have yet to recive a copy of my signature to verify the accounts listed belong to me. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-Compliance.
Product: Debt collection

I tendered the company a " Bill of Exchange '' also known as a negotiable instrument per U.C.C. 3-104 Negotiable Instrument, U.C.C. 3-603 Tender of Payment. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

U.C.C. 9 section 102 - ( 65 ) " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. 12 U.S. Code 1431 - Powers and duties of banks- ( a ) Borrowing money ; issuing bonds and debentures ; general powers XXXX XXXX XXXX XXXX XXXX  shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. Debt discharge is the cancellation of a debt due to bankruptcy. When a debt is discharged, the debtor is no longer liable for the debt and the lender is no longer allowed to make attempts to collect the debt. Creditors can not collect discharged debts. Means that no one may make any attempt to collect a discharged debt from the debtors personally. For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Only the board of governors is allowed to use Federal Reserve Notes. 
Federal Reserve Notes are only for use during EMERGENCIES. A FINANCIAL SECURITY is a document of a certain monetary value. It refers to stocks and bonds which are negotiable.
Product: Debt collection

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX XXXX XXXX - XXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$91.00} and list of Inquiries. 

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: Money transfer, virtual currency, or money service

Mobile app is continuously incorrect. I have three pending returns and I know I have returns due to the fact that I was given the receipt at the store and by email. They do not show up on the mobile banking application as a pending credit. I can not see them at all. Ive attached the screenshots of this. Also, it does not reflect the new balance and there is a new transaction or a new way of reporting it I have not seen before. 

merchandise XXXX XXXX XXXX two times on my account atm/pos for XXXX three times I just withdrew my money due to the other two that were posted on my account until I see what is going on at the bank XXXX I am negative and I did not give anyone permission to access my account I am expecting a refund of XXXX XXXX XXXX XXXX XXXX buckle that was returned at sore and refunded back to card and am curious as to why this does not show up on the Huntington banking application as pending credits
Product: Credit reporting or other personal consumer reports

I have contacted the companies i am complaining about here today several times in regards to this false information that is being reported about me. My family and I have suffered greatly due to this trash being furnished to my report. 

We have been denied our dream due to this lack of compliance and we have had enough! The discrimination stops here! 

If the action inside my dispute letter are not met within the timeline described under the FCRA we will be moving forward with a law suit, The consumer lawyers we have retained assure us that our case is solidified and that in the event that these companies choose to not comply with the law our law suit will be met with substantial compensation for our denials and emotional damages. 

Therefore once again I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple false accounts listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Experian responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Product: Checking or savings account

My mother committed XXXX  almost 3 weeks ago. She was a Wells Fargo customer and we found out as we started going through her affairs that she had set up all of her financial obligations on auto-pay to try to make things easier for me, her only son. 

I am also a Wells Fargo customer and stopped by my local branch to discuss her account and see what needed to be done. My mom had me listed as POD and the sole beneficiary for her account. They said they needed a death certificate and then could give me access to statements and to have the ability to administer her account. 

After speaking with the coroner I was notified that because she took her own life that an autopsy and toxicology report would have to be done and the official death certificate would likely take 4 months. 

I went back to another branch with what paperwork I did have at the time which was a notarized letter of cremation from the funeral director and a statement of death by a funeral directory which I'm told is what they send to social security. 

On the second visit I sat down with a banker and told him my concerns. I needed to make sure her auto-pays stay active for the time being and that I can see statements to make sure no fraud is occurring while we sort out her affairs and go through probate. 

The banker called the Estate Department and they reviewed my documents. I told them that was likely all I would have for quite some time and asked if they could help make sure everything stayed in place. 

Not only did they not help, they immediately froze her account and turned off her auto-pays and blocked the brokerage transfers she set up to keep the account funded. I basically begged them to work with me and asked if there was anything we could do to vet the situation ... .they came back saying " policy is policy. '' My local banker could clearly see the situation and that this was a com-passionless response that would make my families life worse. He escalated the situation and a day or two later I spoke to their resolution team. Same response ... '' policy is policy '', come back with a death certificate. 

As of right now her mortgage, power, gas, water, car insurance, and homeowners insurance payments have all been stopped even though she intentionally put all those in place to try to make my life a little easier knowing what she was about to do. 

I am POD and beneficiary and Wells Fargo has made no attempt to work with me and intentionally froze the account as I pleaded with them to find another way. Again, I am a longstanding Wells Fargo customer too and they had all my information. 

We now have to track down all of mom 's bills, pay late fees, and try to pay her mortgage and ours along with all the legal fees and everything else out of pocket which has caused an unnecessary hardship in our time of grief. Worst customer service I have ever experienced and I will be closing both our accounts as soon as it's practical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to remove ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX that is 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/block any accounts or information not later than 4 business days after theXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Product: Debt collection

SYNCB/ Care Credit is reporting a wrong account in my credit report that i dont recognize as mine, this is a result for identity theft, and sowing that was opend on XXXX for some one ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a high interest auto loan with a subprime lender XXXX XXXX XXXX XXXXXXXX in Louisiana in XXXX. I had a balance due after the last payment - due to taking hardship deferments. I paid the balance due over two months - around {$4600.00}. I was reported as making late payments those two months XXXX and XXXX of XXXX, even after the loan maturity date. The company also changed by date of first delinquency from my original first missed payment in XXXX of XXXX, to a XXXX of XX/XX/XXXX. They are reporting this inaccurate XXXX  to all CRA 's and all disputes have been ineffective at removing this 9 year old loan that has been paid in full and closed. Please help as I have gone through the company and all three CRA 's with no resolution.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX  and XXXXXXXX XXXX XXXX Dear XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX, XXXX, XXXX XXXX. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX XXXX  emphasizes the necessity of consumer consent for credit reporting. Furthermore, XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX XXXX. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

The issue I am having : XXXX out of my XXXX total federal student loans are currently being reported twice as duplicate accounts on my XXXX credit report. There are XXXX federal student loan accounts being reported under Dept of Ed/Aidvantage and the same XXXX accounts are also being reported a second time under XXXXDept of Ed . The duplicated accounts listed twice under both Aidvantage & XXXX are all reporting as open with a balance. The loan servicer changed from Aidvantage to XXXX earlier this year. I previously had an issue with XXXX of my federal student loan accounts being duplicated on my XXXX XXXX XXXX credit reports, which was resolved after submitting a credit dispute. However, the issue with XXXX is much more serious, as my total federal student loan debt is now incorrectly being reported as XXXX instead of XXXX and XXXX has not corrected issue with my federal student loan accounts being duplicated even after submitting a dispute multiple times. I sent a message to XXXX customer support on XX/XX/23 informing them of credit reporting issue. I also submitted a complaint on XX/XX/23 with the U.S. Department of Educations Federal Student Aid Office ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I order a free credit report from Equifax, XXXX and XXXX. This year, I telephoned in my order to all 3 on XX/XX/XXXX. I received the requested reports on XX/XX/XXXX from XXXX, on XX/XX/XXXX from XXXX - but none from Equifax. On XX/XX/XXXX I made another request to Equifax. As of today, XX/XX/XXXX. I still have not had any response. Neither have I been able to find any other way to reach Equifax. In about XXXX I received a notice from them that my information had been accessed with that of many, many others when the Equifax database suffered a mass hacking, In mid-XXXX I had my first ever fraudulent charge on my XXXX XXXX account. Over the years my Equifax report has each year shown that I once lived in XXXX, N.J. I always notified them that I never lived there and they always responded that the address had been " recently reported, '' thereby taking no action to investigate. Now that I am somewhat more knowledgeable about using the Internet, I entered my full name complete with my middle initial ( I always use my middle initial ). I have found that there are more than 60 people with my first and last name in New Jersey, at least XXXX  of which lives in XXXX - or in XXXX, right next door to XXXX. My entry on the XXXX has whole lot of people also listed as being connected with me- only XXXX of whom is actually connected with me. I am XXXX years old. I am XXXX. I was born in XXXX, N.J. I have never been married or used another name or lived anywhere but in New Jersey. I believe Equifax has me confused with another person of my name. Perhaps that person has died and that death may have been posted to my credit report. If any organization seeks to access my credit record with Equifax they may get the response that I have died or that someone is impersonating me and attempting to perpetrate some type of fraud. Thank you.
Product: Debt collection

I have recently filed a complaint in federal court against Caine and Weiner Company , Inc., for multiple violations of the Fair Debt Collection Practices Act and Florida Consumer Collection Practices Act. Caine and Weiner continued to make phone calls to my number at a time and place which was known to be inconvenient, thus engaging in abusive, harassing, and oppressive conduct. This type of conduct is unacceptable, unlawful and Caine & Weiner must be held accountable.
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 XXXX XXXX XXXX. 

XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 an 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

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 Number : XXXX  Account Name : XXXX XXXX XXXXXXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX