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

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Subject : Formal Dispute of Late Payment Claim Dear To, Whom It May Concern I am writing to formally dispute the late payment claim associated with XXXX, dated XX/XX/XXXX, XXXX This claim is inaccurate, and I am exercising my rights under federal law to address this matter. 
Specifically, I reference the following statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ), which provides the right to dispute billing errors.

15 U.S.C. 1666B, concerning the timely posting of payments and correction of errors.

15 U.S.C. 1681B, regarding permissible purposes for accessing and reporting credit information.

15 U.S.C. 1681, particularly Sections 602 and 604, emphasizing the importance of accurate and fair credit reporting.

15 U.S.C. 1681A, which defines terms and standards related to credit reporting.

Request for Proof of Alleged Late Payment : I hereby request that you provide verifiable proof of the alleged late payment, including detailed documentation supporting this claim. If you are unable to provide sufficient evidence or the documentation is incomplete, I demand that you : 1. Update my payment history to reflect " Paid as Agreed, Never Late '' ( PAANL ).

2. Correct or remove any inaccurate or unverifiable information reported to credit bureaus.

Request for Procedural Transparency : Additionally, I request a detailed description of all procedures and processes used to ensure the complete accuracy of the information reported. This should include : The sources of the data used. 
Methods employed to verify the accuracy of the payment history.

Steps taken to investigate disputes and ensure compliance with applicable laws, including the Fair Credit Reporting Act ( FCRA ).

Conclusion of Investigation and Report : Upon completing your investigation, I request a written summary of your findings and any actions taken to resolve this dispute. Please send all correspondence and updates to my address provided above. 
Under the provisions of the Fair Credit Billing Act and the Fair Credit Reporting Act, I expect this matter to be resolved within the legally mandated timeframes. I trust you will handle this dispute in compliance with federal regulations and with the diligence it requires. 
If additional information is needed to facilitate your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I signed up for XXXX high speed internet at the end of XX/XX/XXXX or the beginning of XX/XX/XXXX. I cancel my service and returned the equipment because a support representative was schedule to come to my home and connect my internet because i was unable to connect to the internet. I spoke withh XXXX they did not resolve my issue or stop billing. Now I am receiving attempt to collect a debt from RPM also known as receivables performance management LLC. In which that company went to court in Nevada to stop all business pratices.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX this is not a 3 rd party and I am a XXXX person. I have notice that Experian, XXXX and XXXX are reporting Inaccurate, Fraudulent, and incomplete accounts on my consumer report. This is a violation of the FCRA and I demand these accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed several accounts in my Experian credit report. I have asked for validation of all accounts in collections and havent received them as of yet.
Product: Debt collection

Upon obtaining my credit report, I noticed a debt listed and immediately sent a cease-and-desist letter to the collection agency in XX/XX/XXXX. Despite this, the company continued to send letters and make calls in XXXX XXXX XXXX XXXX XXXX XXXX disregarding the cease-and-desist request. This behavior constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), as the collectors communications fall outside the permissible categories. I am pursuing legal action for harassment. spoke to said company today spoke to XXXX and he did verify all of the violations.
Product: Mortgage

I have tried to remove my PMI, and to no avail. After i was told that i need to pay for the appraisal so they can send in a representative they work with, they are now claiming that not only they will not be able to remove my PMI because my appraisal amount came back less then 1 % of where the loan to value is required. This is especially interesting since i have had an appraisal done on my house in XXXX 2015 and the appraised value came back over XXXX XXXX dollars more then the one their " representative '' appraised. The value of the homes in my area have gone up rather then down. Tho me it seems the banks are at it again. Stealing from the people.
Product: Credit reporting or other personal consumer reports

By and through the United States of America Administrative Procedure Process, U.S.C.S.TITLE 5, and 28 U.S.C. 1333, or 1337 gives you notice of " DEFAULT/JUDGEMENT '' will/shall/must issue for non-response for " NOTICE '' by your tacit admission, And collaterally-estoppel by Res-Judicata for any further proceedings, First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the 21st Century Act, aka Check 21 system, which has caused me Injury and Damages ; Second Cause of Action ; Acquiescence/Nonresponse to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT XXXX, XXXX, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of XXXX, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve Act of XXXX, The Federal Reserve Banking Act of XXXX, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following House Joint Resolution 192- PUBLIC LAW 73-10 , which has caused me Injury and Damages ; Fifth Cause of Action : Acquiescence/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through XXXX XXXX XXXX XXXX XXXX XXXX routing and account number, which has caused me Injury and Damages ; Sixth Cause of Action : Acquiescence/Nonresponse to Failure , By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action : Acquiescence/Nonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e. my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ; REPRESENTATIONS AND WARRANTIES
Product: Credit card or prepaid card

Further to complaint XXXX. I went to pay the one Chase card ( Chase Ink ) off in full today which Chase granted a few months ago only to find the account had been closed without my consent. I can see pervasive accounts like this online and suspect they consider me a high risk customer based on reports online. However, I have a 20 year history with the bank/credit cards and have been failed to pay off a card before the due date in the same month, had an overdraft or any negative interaction with the bank. I even tried when I got the card to set up a direct debit to pay the card off in full but was told this couldn't be done over the phone and instead could only be done via registering online via a separate system which I didn't want do. I paid the account off in full last month. 

I'm very upset by this but more so because I have a {$500.00} rewards on the card in addition to cash back of {$90.00} which I was told today that Chase wouldn't honour. I have also read reports of Chase closing bank accounts down alongside the credit cards which is very disturbing. 

Clearly there definition of an at risk customer is wrong as I couldn't be a more stable customer.
Product: Credit card or prepaid card

I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.
Product: Money transfer, virtual currency, or money service

I am filling a complaint on Cashapp, ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressXXXX for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are reporting false inaccurate information on my credit file. 

This report indicates that I have a bankruptcy from 2019. I am requesting all XXXX major credit bureaus to validate this information and send me proof or the accurateness of my report. I also want to know who reported this bankruptcy. I have reached out to the courts and I was told they DO NOT report to credit bureaus unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease

paid off car loan dealer bought over paid by almost 3 k they keep telling me my XXXX  XXXX  check in mail n ever got
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX   XXXX XXXX {$200.00} XXXX   XXXX {$2800.00} XXXX XXXX   XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX   XXXX {$310.00} XXXX XXXX {$2400.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. The account in question is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Equifax, In accordance with the Fair Credit Reporting Act ( FCRA ), specifically : Right to Privacy ( 15 U.S.C. 1681, Section 602 ( a ) ) : I have the right to privacy concerning my credit information. This account has been added to my report without my authorization, and its inclusion violates my right to privacy. Furnishing Information Without Written Consent ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : Under this section, a consumer reporting agency is prohibited from furnishing any credit information without my express written instructions. I did not provide any consent or instruction for this account to be reported in my name, making its presence on my credit report unlawful. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the immediate removal of this fraudulent account from my credit report. I am concerned that this false information may negatively impact my creditworthiness and financial reputation. I have enclosed copies of my credit report, identification documents, and any other pertinent materials related to this dispute for your reference. Please let me know if any additional information is required to proceed with this investigation. Thank you for your attention to this serious matter. I look forward to a prompt resolution and the correction of my credit report. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I did set up my account on XX/XX/2020 as an automatics payment. They sent me a confirmation email. The reason why I didn't that is because I was traveling a lot for a camping site where I didn't have internet all the time. So in XXXX a got an email from XXXX saying that my credit decreased and that I had late payment. I got in chock. I have been control all my account for my passed 4 year because I'm looking to buy a house. And I haven't delay any payment. I do have money on my bank account so I didn't need to delay any payment. I tried to contact the Wells Fargo and they told me that the account number I added to be the automatics payment were wrong. I asked them why they didn't call me, sent an email or mail telling me that the payment didn't went thru. They told wasn't they job to check on that. They stopped to sent email after the day I set up my account for AP. After all the conclusion that they couldn't help me I paid off my car and I don't want to have an account with them anymore in my life. But the 2 late payment in my credit report is blocking me to get a better mortgage. All my account are setting up automatic payment. The only one wasn't made my credit report bad.
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 on 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 accounts 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Synchrony bank for my XXXX XXXX did not apply a phone payment that I made in XXXX, the resulting error led to being past due 30 days which had a negative effect on my XXXX XXXX which has led to my score being dropped and several of my creditors lowering my credit limits and closing one of my cards due to this error
Product: Vehicle loan or lease

Started receiving phone calls from someone named XXXX, XXXX left a message threatening to show up at my work and I must have my supervisor present so they can serve me papers. Received 4 calls in a row on XX/XX/18 no message left, I called back XXXX answered never identified his company or that he was trying to collect a debt. He started to ask me personal information ie. SS # and to verify my name. I informed him I was not comfortable doing so not knowing what this is about, he transferred me to a XXXX XXXX which informed me that they have been trying to service me with documents in regards to a debt, she also never recited the fair debt collection phrase. She told me they were trying to serve me with a court date but didn't have a court date but said they have been trying to serve me for a while now but could only provide one date as of XX/XX/18. I asked XXXX if she could mail me the information because I don't see anything showing at XXXX for any court date or request for judgment against me she informed me she couldn't send me anything but could have an apt set up to have her carryer service come back out to see me. I informed her they are not to show up to my work. I ended with telling her I would look into my rights and get back to her.
Product: Credit card or prepaid card

This complaint is against Bank of America. I only have a credit card account with this company, on or about XX/XX/XXXX I received an email as well as a notice in the mail from the company asking me to update my income and occupation. Reference number XXXX. The letter and email indicated that a non-response from me would be considered as a request from me to close all accounts. I responded to the company with a letter dated XX/XX/XXXX, telling them I was not interested in updated this information as I was not looking to increase my credit limit or was I interested in any other promotional offers. I have a XXXX credit line with the company and over XXXX in available credit. I have been in good standing with this company since XXXX, never missing a payment and all payments have always been made on time. However, the company has chosen to not allow me to have access to my credit account without giving me a reason why. I understand they have the right to deny me credit but I also believe that they should give me a valid reason for not allowing me to use my account and should have notified me by mail that my account was suspended, and not just because I refuse to update my income information. If my account is closed then I should be notified to avoid being embarrassed by having my card declined when making purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is re-aging this medical debt. It is over 5 years old. They removed it and reported it as occurring XX/XX/XXXX. This is false information. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Original creditor XXXX XXXX XXXX   XXXX XXXX  XXXX. 

Correct date of service is XX/XX/XXXX. Reported as XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This was a loan advertised to federal employees as being deducted directly from federal payroll. However, Kashable failed to draft the loan from my payroll for 2 months unexplicably but they marked my credit report as it having been paid late. I dont know if they failed to communicate with my XXXX XXXX or what happened, but I paid it off almost immediately when I realized there was a disconnect between my payroll deduction and Kashable 's receipt of the payments. I believe these late payments should be removed because this company specifically targets and advertises to XXXX XXXX as the loan repayments coming out of your pay and I relied on this assertion to my detriment when they failed to take out the payments for those two months. There was no problem initially with them taking the payments and I am not sure happened these two months where it was reported late, but I had no reason to think there was an issue in the process. I should not be held responsible with this penalty when I believed that this would be deducted from my pay and they failed to do so
Product: Debt collection

I was a victim of identity theft I filed a report with the federal trade commission and let the credit bureaus and collection company know and attached the report to my dispute. all but XXXX has not removed the debit collection from my report. I filed over XXXX disputes attaching the FTC I didnt identity theft report and still its not been removed from XXXX
Product: Checking or savings account

I was a victim of Fraud At Citibank, they presented 3 Totally Fake checks ( My name and surname are not those on the check, the checking account # does not match, it is from my Savings, the Signature of the other signatory is false, the checking account does not I had a balance to pay, it does not have the due endorsement ) 2 of the checks could be reversed, leaving one pending for {$31000.00} from XX/XX/2022 reported on XX/XX/2022 when I noticed. Being the account BLOCKED BY THE FRAUD DEPARTMENT, on XX/XX/2022 they withdraw {$79000.00} in CASH, leaving my account at " XXXX '' everything is reported to the fraud department, the documents that they requested plus all the evidence that I found have been sent in my account, today 3 months later I do not have an answer or refund of my money... I need help. They are the savings of my whole life and I live from them, I live in XXXX
Product: Mortgage

I filed bankruptcy back in 2011 and it was discharged in 2011. I have not received any information regarding the property at XXXX XXXX XXXX, XXXX XXXX, MO XXXX from chase. I contacted chase and they advised me that they will not be foreclosing on the property, want nothing to do with it, and that it has been charged off and basically the property is my responsibility. I have asked if I have any options for a deed in lieu and I have not received anything but the run around. I would like for chase to do something besides tell me that they have washed their hands with the property but I can only pay the balance in full after I 've already filed bankruptcy. They have provided me with no information as to what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$27000.00} XXXX XXXX XXXX : {$27000.00}
Product: Money transfer, virtual currency, or money service

I purchased something from XXXX turned out to be a scam for {$40.00} using my cash app account. I tried multiple times with cash app to rectify my claim they said I would not be compensated because they are not fdic insured. It was extremely hard to speak to anyone and they kept looping me back to repeat steps i had already done. Eventually I just gave up.