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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear SYNCB/PPC, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections XXXX and XXXX, and identity fraud laws, specifically Arizona Revised Statutes Section XXXX. 

It has unequivocally come to my attention that SYNCB/PPC has already 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, Arizona state law, specifically XXXX XXXX of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section XXXX of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section XXXX, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SYNCB/PPC 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 SYNCB/PPC immediately ceases 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 XXXX XXXX and XXXX of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day 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, Arizona state law, and identity fraud laws. 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 SYNCB/PPC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

I was given my statements back for as the reason that it was denied. That is not a reason, and I also had my money stolen from me and the company did nothing to protect me from this. 

XX/XX/year> I purchased what I thought was a mini washing machine for {$50.00} from XXXX. This website did not initially appear as this, it originally appeared as XXXX XXXX. I had believed I was shopping on XXXX. This however was not the case and shortly after purchase the website disappeared and no longer could be accessed. I could not find an email that worked to contact ( XXXX ) This XXXX fake website and I could not find any way to get my money back. So I provided all of this information about a week later with cash app. Showing them with proof that I was the victim of a website scam. I can provide a case number for this. 

I was still denied my money back. I again requested another dispute on this after the first denial. Within moments of receiving the denial the first time I put in the next one. I was scammed and I should not have to be denied by my bank. I basically am being told that I am a liar when I am not. Something needs to be done about this company not protecting their customers against fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditor ( GA XXXX XXXX XXXX XXXX XXXX ) ... grave errorfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information 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. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

Online service for managing credit freeze on the Transunion website never works and always gives the message 'service unavailable ' and forces you to call their phone number to freeze the credit file which is a long and time-consuming process. XXXX in contrast makes it easy to manage the freeze online. It seems like Transunion is purposely discouraging the use of the credit file freeze option for consumers.
Product: Credit card

I have fraudulent activity on my Chase credit card. I reached out to them for help & they denied to help me. I hired an investigator to assist me who understands the banks rules & regulations. We sent the information to Chase Executive Offices for help & they sent a letter saying they still cant help me to return my money. We have documents showing the merchant is fraudulent & has been banned from XXXX Continents for fraud against U.S. consumers. 
I am a XXXX & a military vet. We wouls appreciate if you can assist in my case. 
We have all the documents to provide to you for proof of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several wrong items on my personal information such as misspelled names, wrong addresses, and wrong employment that I have attempted to get removed from my credit report. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current information and prove my identity.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have requested a letter about settlement agreement and a letter noted when payments have been made and when settlement has been satisfied through email and mail ; neither of these documents have been sent to me through requested format. Instead, I was given the unclear answers on the phone and my last settlement payment was and completed ; however on my credit report Capital One is still reporting incorrect balance according to our settlement agreement and has not noted any payments made by me. The inaccurate and unlawful incorrect reporting has been detrimental to my credit report and XXXX XXXX from XXXX, XXXX, and XXXX. 

Accounts inaccurately reporting are the following : Capital One Acct # XXXX
Product: Checking or savings account

On XX/XX/2024 my XXXX XXXX XXXX XXXX was kidnapped, and robbed at XXXX point. The assailants beat him until he gave his pin number. He did not authorize or make these transactions.
Product: Debt collection

This complaint is against a company called -- ERC- ( XXXX XXXX XXXX ). We found out today with a mailing from them after 1 ) We disputed this alleged debt of {$970.00} with them in XXXX 2 ) I also disputed this with 4 prior collection agencies since XXXX and will attach all documents to this dispute. 
ERC - XXXX XXXX XXXX is violating multiple times our request to note in reports to the 3 - Credit Bureaus, including XXXX XXXX, that " This consumer disputes this debt. Our XX/XX/XXXX written notice to BOTH - ERC and XXXX XXXX was our 3rd request to remove the report that we are in collections and note our balance at {$0.00} and/ or note " Consumer disputes debt " in our credit report 3 ) Even after we notified BOTH ERC and XXXX XXXX 3 times in the past year, they refuse to report fair and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XX/XX/XXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXX XXXX  XXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XX/XX/XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXX XXXX  XXXX Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XX/XX/XXXX Account type -Auto Loan This is a fraudulently opened account XXXX/XXXX  Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( 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. Theses actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Hi hope all is well I recently checked my credit report and I notice that there were some unauthorized accounts and inquires on my credit report that I didnt authorize under the FCRA its against the law to report and inaccurate information on a consumer credit report please remove all the accounts that i didnt authorized on my credit report immediately thanks Unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE UNAUTHORIZED ACCOUNTS IMMEDIATELY THANKS!

15 U.S. Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Pursuant to Fair Debt Collection Practices Act 15 United States Code 1692. I reached out asking for a original contract that I signed with them and they stated that their client gave them my information they have called me over and over again multiple times a day I have had to block them. {$2200.00} for a company named XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Student loan

I had been paying on my loan for over 3 years. No part of my payment had been applied to principal until 2 months ago when I called in requesting a deferment based off unemployment. 
Issue number 2. When I requested the income based repayment, my monthly income went from XXXX to approx. XXXX my payments actually increased. At this point I had to request a deferment as I could not make the payments I was instructed that payments would not be assessed however interest would continue to accrue
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on the credit report, That does not match the correct identification. There are unknown addresses that doesnt not match any personal records or Identity. These addresses are not attached to anything on my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt Collection ( Account Number : XXXX ) and Urgent Request for Investigation and Rectification Dear Sir/Madam : I am writing to express my serious concern and dispute regarding a specific, inaccurate collection entry on my consumer report. 

Account Name : XXXX XXXXAccount Number : XXXXAmount Owed : {$540.00} as of XX/XX/2023 I assertively challenge the validity of this debt. On XX/XX/2023, I returned the specified items to a XXXX store in New York. Despite being assured of the proper return process, this debt erroneously appeared on my credit profile. 

This unmerited mark not only jeopardizes my financial reputation but has caused significant emotional distress. I've spent countless hours on the phone, mailed evidence, and painstakingly attempted to rectify this situation, only to face continuous roadblocks and a lack of clarity. 

The stress stemming from this matter has been exacerbated by the looming implications it carries. I've found myself questioning future financial decisions, concerned about potential higher interest rates, and apprehensive about the prospect of being declined for financial products or services due to this unwarranted blemish on my credit profile. Furthermore, this experience has left me feeling violated that despite my genuine efforts and rightful actions, my financial narrative can be inaccurately portrayed. This is not just an errant number or a misreported transaction ; it's a reflection of me that is being inaccurately and unfairly tarnished. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I draw your attention to the following sections : 1681i : Mandates credit reporting agencies, like XXXX, to conduct a comprehensive and timely reinvestigation when a consumer disputes information. 

1681g : Highlights my right to know every piece of information you have about me, including the sources of that information.

1681j : Ensures that no unwarranted charges are levied against me during this dispute process.

1681s-2 ( a ) : Clearly outlines the duties of furnishers of information to provide accurate data. In this context, XXXX XXXX may have violated this provision. 

My objective is straightforward : I seek an immediate and thorough investigation into this matter. The enclosed receipt unequivocally confirms the return of the XXXX equipment. It is my belief that with this evidence, coupled with the responsibilities of both credit bureaus and information furnishers under the FCRA, this unjustified debt collection entry should be removed expeditiously. 

Any failure or undue delay in addressing my concerns and rectifying this error will not only infringe upon my rights under the FCRA but may also compel me to take legal action to safeguard my interests. 

Please treat this letter with the urgency and seriousness it warrants. 

Enclosed : Receipt of returned XXXX XXXX Internet 5G router and receiver dated XX/XX/2023.
Product: Debt collection

The amount owed is being charge at {$4000.00} when I reached out to the apartment manager they requested information to correct this mistake and to update the account. The amount was updated for about a week then it was returned to the old -incorrect amount. This feels like the company is doing some sort of scam. I do not owe {$4000.00} due to the XXXX reimbursement being applied. Any additional amounts owed is to be paid to another source NOT national credit systems. A representative directly from National Credit Systems replied and informed the manager/original creditor stating the account was fixed but its no longer reflected as such.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After my account was completely frozen by USAA leaving me with XXXX access to any money, I was forced to apply for a short term loan in the amount of {$1200.00}. This loan comes with an interest rate of 710 % APR and is meant to be paid off quickly. It was accidentally deposited into the account which USAA has frozen and it has not been able to be canceled by the lender. As a result, I'm literally paying 710 % interest on a loan which was meant to HELP me and it's now DESTROYING me as a result of the original issue which USAA has already had a complaint filed against them in the first place!!!! I called customer service today and she refused to allow the short term loan to be sent back to the lender. USAA has literally destroyed my life!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct # XXXX is a result of identity theft. Item had been previously removed and was reinserted.