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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report.

As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I need to apply for a personal loan, and in order to proceed, I require the freeze to be lifted so that the lender can access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to retrieve credit report from Equifax due too their product XXXX  offered free of charge since I was affected by the Equifax breach. XXXX  locks your Equifax credit report so lenders can not run your report. I signed up for XXXX XXXX because it was recommended by Equifax after their breach. Unfortunately the product has put a permanent lock on my credit file that I can not unlock. The XXXX website does not work to unlock my file and says to contact customer Support. I have been in contact with them and was told to Fax information to verify Identity, which I completed and confirmed they received it. For the last 2 months I've been told the credit file is now unlocked but the website will still be broken and needs to be escalated with internal systems team for repair. I asked for a ticket number or confirmation of the repair but XXXX could not provide me this info. They said to run the credit again as it should be fixed for the lender to get report. Since then my lender ran credit 3 times with no results and its been 2 months since I started the process. I'm stuck in this cycle with no results and Im trying to move forward in life with Reality investments that are getting stalled due to Equifax neglect. I feel hopeless and have worked hard to achieve goals in life that are being stopped by this negligent company. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX on XX/XX/2021 to payoff the full balance and payment post to account. On XX/XX/2021 it was reported 30 days past due on XX/XX/2021 to my credit report. This account is closed and paid in full.
Product: Credit card or prepaid card

I paid the balance of the credit card when it was due but it still charged me a late fee because the credit card company takes a couple of days to receive the money even though I paid on time.
Product: Debt collection

Received an email on XX/XX/XXXX by Portfolio Recovery Associates claiming a debt that does not exist. I have an XXXX XXXX and haven't charged off any such debt. Below is the opening statement. 

~~~ Portfolio Recovery Associates , LLC obtained a judgment against you on XX/XX/XXXX. 

This obligation has a balance of {$2700.00} and we remain interested in working with you to resolve this account. 
~~~ This is completely bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to trans union to rectify drops in my credit score due to false reports from XXXX XXXX. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

Ive already tried to resolve these issues directly with them, but they continue to violate my rights. This company is breaking the law by failing to provide proper validation details as required under 12CFR 100634 ( b ) ( 5 ) despite this day added a collection to my credit report. Please help me get this deleted off my credit report. Im trying to live a good clean life and this is hiring me from getting credit. Thanks.
Product: Checking or savings account

XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00}. 95 XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$22.00} XX/XX/XXXX- {$1.00} BANK FEE TOTAL= {$2500.00} I spoke with XXXX at Bank of America on XX/XX/XXXX to dispute the transactions and faxed paperwork of proof to fax number XXXX ; this is my XXXX account so I never look at it unless I have to and I never received any notifications from the bank stating that there was weird activity going on. A letter was sent from the bank to an unknown address with the results of my dispute, since I have never lived there before I did not know what the status was ; at that point I was already dealing with my brother getting severely ill. On XX/XX/XXXX I re faxed all paperwork to the above number since I had yet to hear a response from the bank. The bank states that since time has passed there is nothing they can do, but this is my money and way more than I can just give up on and I never received a letter if not I wouldve continued to fight it.

In the attachments you will see an XXXX summary on the transactions, steps taken, cards used, and address the letter was sent to. There are also a few statements to show that money was taken out, and it shows how often I actually use it and view it ( other transactions not included above are mine ). Finally, the locations that the transactions were made ; there are multiple XXXX XXXX ATMs along with views of the remainder balances. These transactions were made in XXXX XXXX while I was in my city of XXXX XXXX, proof of me being in XXXX XXXX is also included in the attachments ( my work log ins and emails ). The transactions themselves look fraudulent, the person checked balances and took the same amount every day at different ATMs.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence, where I formally reported fraudulent items on my credit report. Despite my initial dispute and subsequent communication, it appears that the fraudulent items persist, causing substantial harm to my financial standing. 

I urge that credit bureaus will conduct an immediate and comprehensive reinvestigation into the reported fraudulent items. 

I request that the credit bureaus would communicates the resolution of the dispute to you in writing. 

I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, which is negatively impacting my ability to secure financial opportunities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX.
Product: Debt collection

This account was paid and supposed to be deleted from the credit reporting agencies and has not been updated as of yet. It is very important that this be updated as soon as possible as I am in the process of buying a home and this is affecting my rate. I have correspondence from GSI stating that this will be deleted from XXXX. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are XXXX fraudulent accounts on my credit report that is not my doing im a victim of identity theft i have never made purchases from these said companies that are reporting to my credit
Product: Debt collection

Credit Collection Service has reported a debt thats not mine. I have contacted the company and they were rude by saying that I was telling lies.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. Please delete these items listed below IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. 

Thank you, XXXX XXXX XXXX XXXX
Product: Mortgage

Received Escrow Account Disclosure Statement via mail on XX/XX/2018 for tax and insurance payments. Based on their analysis a have a shortage of {$1500.00}. Therefore, my monthly payment was increase. 
I regularly paid my monthly mortgage payments and I pay extra amount for the principal balance. The company did not apply my payment to the mortgage.The money they received was placed in suspended accounts. They are asking for escrow account and charging me with late charges. 
My note during the closing of the mortgage does not require to have an escrow account for the taxes and insurance premium because it was agreed that I will be responsible for paying for it.Since that time I am the one who paid the taxes and property insurance. 
I called several times and spoke to customer service with out result.On XX/XX/18 I spoke to XXXX specifically. I wrote them letters but still no result. I still received statements stating that my account is past due.
Product: Mortgage

Attorneys representing Seterus, XXXX and XXXX XXXX are non compliant with California Civil procedure in timely filing and noticing me the homeowner/borrower of latest motions to strike and demurrer. 

the latest filings are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Trellis Company # XXXX is reporting inaccurately on my credit report. This was included in my chapter XXXX bankruptcy that I filed back in 2016. This account should not be reporting as an active collection.
Product: Money transfer, virtual currency, or money service

( 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 redress for those violations.
Product: Debt collection

I am writing to express my frustration regarding the unresolved issues in my credit file resulting from an alleged identity theft. While I appreciate the removal of some information, there are still accounts that require immediate attention. According to FCRA section 605, it is mandated to remove any accounts listed on Identity Theft Report # XXXX, which I have previously submitted and am including again with this letter. I want to emphasize that I have informed my attorney of these ongoing concerns, and they are prepared to take necessary actions to ensure accountability for willful noncompliance. XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under act 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions. Under act 15 U.S.C. 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

For XXXX and XX/XX/2022, XXXX XXXX XXXX shows I made delinquent payments for those XXXX months, paid beyond XXXX  days past due. Please remove this from my credit reporting.
Product: Checking or savings account

The bank collected the funds on a check on XX/XX/XXXX but refuses to make the funds available until XX/XX/XXXX ( 4+ months ), way past any reasonable hold as defined in The Expedited Funds Availability Act ( Regulation CC ). 

The account is older than 30 days ; The account has never been overdrawn ; This is not a redeposited check ; The check is less than {$5000.00} ; Seems like a abusive way of profiting from a float.
Product: Credit card or prepaid card

On XX/XX/2019 I made a {$25.00} donation to a political campaign. I have a receipt for this ( attached ). Subsequently, this charge was negated out and three charges of {$1600.00} were put in. Two of these were then netted out. As a result, instead of a {$25.00} donation, I was down for a {$1600.00} donation. I did not do this. 

I called Chase bank, who handles this and spoke to them. They told me they would handle the problem and the charge was removed. 

Two months later, the charge reappeared. Chase had put it back because they could not figure out how to resolve it, even though it was clearly fake or a mistake. I called Chase again, I was passed between numerous people because Chase couldn't understand the problem. Finally, I was now told, two months later, that I needed to fax a letter to them describing the problem. I was then told I had to wait at least three days for the fax to get to the right person. Hard to believe, in the electronic age! 

After several days, I called again to find out what was going on. I was essentially told that it was too late for them to do anything, even though the charge was obviously fake and I had alerted them to this shortly after it had happened. 

At no point did anyone offer up that this was clearly a problem and that Chase would take care of me. Instead, one person blamed me for giving my credit card number out ( hard to believe but true ) and, in general, I was treated with contempt by a bunch of people who obviously don't care about customers. There attitude was pretty much, " tough luck. '' This is outrageous. This problem ( being overcharged by a merchant to whom one has given a credit card number ) can not be rare yet Chase had absolutely no clue how to deal with it and absolutely no desire to satisfy me, as a customer. Instead I got behavior from them that ranged from incompetent to obnoxious and rude. 

Chase should not be able to treat its customers this way. Someone was trying to rob me of {$1600.00} and they didn't care.
Product: Credit reporting or other personal consumer reports

According to the federal credit reporting act everything on my consumer report has to be 100 % accurate. I am informing XXXX and Transunion. You are reporting incorrect information on my consumer report. Related to ( XXXX XXXX XXXX ; XXXX ) FCRA states I am entitled to a 100 % report if not it should be deleted. Please re investigate this account and send me proof providing the names and addresses of who you spoke with to prove this account. In addition, I never received a letter from this creditor stating the amount the car was sold for at auction. Also the amount owed should be different after auction sale. Therefore, please state everything you are reporting is accurate. If you can not provide me with this information delete this account or conpensate me for the losses this account is causing me. Also this account is extending the statue of limitations after a CO.
Product: Debt collection

Last payment was sent in XX/XX/2020 which was right before the pandemic went worldwide, XXXX XXXX XXXX were closed and I did not have any means to pay since i was out of work for a few months. After I went back to work many XXXX XXXX  were still closed so I waiting until I received a statement or letter from them which never arrived until recently. Now they are charging the wrong amount for non payment. I was owing {$700.00} and now they are charging me {$2000.00}. I do not owe this amount which would have me paying the debt all over again. Please look into this for me since I am not owing the amount they claim. I have no problem paying what I owe but I can not afford to pay the debt again from the beginning amount. They have already collected over {$3000.00} in interest from me XXXX was more than the debt. 
Thank you XXXX XXXX
Product: Debt collection

XXXX XXXX contract was complied fully with, All monthly payments per contract made. Confirmed with representatives and have employee ID 's. Refused to resign another contract with them. Returned there equipment and followed all instructions to fully satisfy any obligation. 4 months to 6 months after leaving XXXX XXXX attempting to collect debt without providing proof of the debt. The debt was disputed as not being old. The 3rd party collection company Credance takes the bully approach the debt was validated and owed. XXXX proof. Its typical XXXX XXXX XXXX crooked 3rd party collections and not compliant with FCRA and common decency and respect. Instead they choose to threaten a persons credit, pay or else. Documentation has been collection for further action, One further action is this complaint to CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN I CANCELLED XXXX   MEMBERSHIP XXXX AND XXXX IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.
Product: Payday loan, title loan, personal loan, or advance loan

The company is supposed to take the find out if my paycheck bi weekly as agreed upon in the contract as they have other times that I have used them. And they reached out to me outside of business hours at XXXX XXXX