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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payment Under CFRA, CARES Act, and TILA Dear CFPB Members, I am writing regarding my account with XXXX XXXX ( account number : XXXX ) to request the removal of a late payment reported on my credit history, specifically in XXXX and XX/XX/year>. 

During the COVID-19 pandemic, I faced exceptional circumstances that impacted my ability to meet my payment obligations. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, protections were established for consumers who experienced financial hardships due to the pandemic. This legislation aims to provide assistance to those who suffered setbacks during this difficult time. 

Additionally, under the Truth in Lending Act ( TILA ), I have the right to receive clear and accurate information about my accounts and the impact of delinquency on my credit history. I request that my circumstances be reviewed and that consideration be given to the removal of the aforementioned late payment, as it has significantly negatively impacted my credit score and, consequently, my ability to access credit in the future.

I appreciate your attention to this matter and look forward to your prompt response. I am willing to provide any additional documentation you may require to process this request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was informed via email on the evening of XXXX XXXX by discover card that my account has been closed as they were not able to verify my personal information as it looks like they sent me the form and they did not receive it. I already sent and signed all the form which I was asked and sent it to them right after I was asked on XXXX XXXX. I have confirmation for XXXX XXXX where I signed the form and sent it to back and was told all parties have been informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XX/XX/XXXX
Product: Vehicle loan or lease

I have tried to work with Acura/Honda Financial Services many times on my issue. I have called multiple times and went into the dealership multiple times as well. My issue is they informed me when I went to buy the car they do not accept third party checks ie I could not use my XXXX XXXX XXXX, but had to either finance through Acura or a local credit union they had partnered with. My credit is XXXX and XXXX offers rates at 2.9 %, while Acura 's and the local credit union 's rates fluctuate between 4.5-6.8 %. This is insane and I do not understand how they can just change the rules and say they will not accept third-party checks!? This isn't stated in their leases. Why can't we finance through more beneficial means? Why/how can they force people buying their vehicle returns to use their XXXX banks? 

THIS WAS NEVER MENTIONED DURING THE LEASE PROCESS AND THEY SAID IT WAS A NEW POLICY. How can they just make up a policy and ban other banks, with better terms, from financing these vehicles? I am still the one buying it via a loan from a bank with better terms. This is DISHONEST and Acura/Honda Financial Services should be ashamed of themselves!
Product: Debt collection

This company ( Harvard Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I have the following accounts as collections on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX AMOUNT - {$2100.00} XXXX XXXX  XXXX XXXX ACCOUNT # XXXX AMOUNT - {$1100.00} First, I don't understand how these debt buyers are allowed to placed accounts not verified on people 's reports. Also, I noticed that the account numbers are the exact same on both accounts, from XXXX different companies with XXXX different amounts, which is alarming. This needs to be stopped.
Product: Debt collection

M soon to be ex-wife left me a couple of months ago. Just recently I started getting debt collection notices in the mail. She had apparently been taking credit cards and loans in my name for the last couple of years. She fraudulently has me in debt for over {$30000.00}. I have had to freeze my credit and dispute the items showing up on my credit report. I tried filing an identity theft report with the local police department, but since we are still legally married they wouldn't let me fill out a report. The local prosecuting attorney 's office did the same thing.
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 : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX 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: Credit reporting

I was notified this morning by XXXX which I am subscribed there was a credit alert posted on XXXX/XXXX/16. I logged in to XXXX XXXX XXXX XXXX had pulled a copy of my credit report as result of loan or credit application - see below : Inquiry - XXXX XXXX XXXX, 2016 XXXX obtained a copy of your TRANSUNION Credit Report. 
Alert Type : New Inquiry Found On : XXXX XXXX, 2016 New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, 2016 Source TRANSUNION Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, MD XXXX Activity Company XXXX I never applied for a credit or loan with this company and need to find out how this can be removed as they were not authorized to obtain my credit report.
Product: Credit reporting or other personal consumer reports

Under Federal HIPPA Laws and under American Disability Act, it is illegal to place XXXX on a credit report as Equifax has. This is private HIPPA information and an ADA Federal Law violation discriminatory act having a XXXX on report vs a normal person. This must be deleted immediately otherwise my attorney will see full compensatory and punitive damages against Equifax as well as the ADA Complaint with the ADA and FTC.
Product: Checking or savings account

My wife passed away XX/XX/year>. I called, paid, and closed her Paypal Account. After that, Paypal charged her XXXX XXXX XXXX Account {$25.00} for a subscription to their magazine. I closed her account and opened another account under my name. Paypal or someone using their name is trying to call me at home, however, I XXXX ; t answer their phone calls. Tonight they called at XXXX XXXX from the phone number ( XXXX ) XXXX. I truly don't believe, nor does my bank, that these calls are actually coming form Paypal.
Product: Vehicle loan or lease

On XX/XX/2023 I submitted a application for a car loan only to be denied because of ( income ) which is a violation under ECOA I was advised by employee to submit another application which was submitted on XX/XX/2023 only to be denied again for the same reason and credit score. I sent in 3 letters to the CFO XXXX XXXX for his office to respond that they stand behind their decision and completely ignore me as a consumer and member of USAA Bank. This is a clear violation under ECOA and the Federal reserve Act. I submitted the application in good faith and I did not get a proper valuable consideration on either application. I have continued to communicate with USAA only to now be ignored and I am calling for the CFPB to assist me in this breach of contract and non performance of fiduciary duties by CFO XXXX XXXX. I as the consumer am aware of my rights and to be denied my GOD given right is a disgrace to the XXXX  people
Product: Debt collection

Your assertion that the accounts in question have been verified is both vague and infuriating, as you have failed to provide any semblance of evidence or documentation to support this claim. The absence of such verification leaves me to question the legitimacy of your so-called investigation and raises doubts about the accuracy of the information you choose to report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is perplexing that while one of the credit bureau has successfully confirmed the fraudulent status of these accounts and taken appropriate action to prevent them from tarnishing my credit report further, your bureau remains obstinate in its refusal to do the same. The lack of consistency among credit reporting agencies raises serious questions about the credibility and reliability of your bureau 's investigative processes. To my dismay, not only have you failed to provide any accurate information or verification of the disputed accounts, but you have also outright refused to remove them, despite clear evidence from other credit bureau that substantiates the fraudulent nature of these accounts. 
XXXX XXXX XXXX DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
If other credit bureaus can confirm the fraudulent nature of these accounts, there is no excuse for your bureau 's inaction and refusal to remove them from my credit report. Furthermore, I insist that you take prompt and decisive action to rectify this situation. The continued reporting of fraudulent accounts on my credit report is not only damaging to my financial standing but also a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, Navient reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.
Product: Credit reporting or other personal consumer reports

XXXX is reappearing did not give authorization or do any business with credit acceptance from XXXX XXXX through XX/XX/year> improper use of my information which is fraudulent requested it to be removed off of my credit report
Product: Debt collection

Hello, I am on XXXX prepaid, and tried the post-pay account and was not satisfied with XXXX service and canceled within 3 weeks. I have been back on prepaid for several months now. I reached out to XXXX on XX/XX/2024 and confirmed that I do NOT owe XXXX anything on pre-paid OR post-paid account. I have this in an email from XXXX themselves not the debt collect, however the debt collector still sends me emails stating I owe them XXXX Please help and advise, Sincerely, XXXX XXXX
Product: Mortgage

We are working on a short sale with Bank of America and they have had the file for 9 weeks XXXX since XX/XX/XXXX ). They had a complete file on XXXX, but of course they took more than a month to review the file and requested updated documents. Those were delivered and then they took another 3 weeks to look at the file before they had " questions '' about the income and tax returns. It has been another 2 weeks and the underwriter has yet to review that information. We have n't even been able to get the file out of loan modification and into the short sale department 's hands because they are so delayed in reviewing the file that every time they look at it, they request something more! We are about to lose our buyer. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX because IC System just popped up on my credit report. No one responded to my letter. I wrote again XX/XX/2021 and did not receive a response to my letter or any documents I requested. I requested an investigation on IC Systems on my credit report. I contacted XXXX, XXXX and IC systems and no one responded to my letters or sent me any mail. It's been more than 90 days now and this unverified account is still on my credit report. I want this account deleted right now.
Product: Checking or savings account

I deposited a check of {$6800.00} on XX/XX/XXXX in my business account using the online deposit function. Chase Bank held onto the check for verification and claimed the funds will be available on XX/XX/2022 ( Exhibit 2 ). Now it claims it has not been able to verify the check. I contacted my client who issued me the check and was provided a cancelled check ( Exhibit 1 ) with evidence that Chase has cashed the check and the funds have been removed from his account. Chase has refused to make the funds available to me even though they have collected the funds from my client.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- XXXX XXXX 12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX XXXX. XXXX XXXX SER with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Citi Bank a dispute letter ( see attachment ), attached is the tracking status showing that they received it on XX/XX/2020. Which they never responded back to that letter within 30 days. Which is a violation of Federal Law. Attached is a copy of my XXXX  and XXXX credit report dated XX/XX/2020, which shows that Citi Bank is reporting the account as charge off account and balance of {$910.00}. The address I sent the disputed letter to is the address on the XXXX  credit report for that account. Citi Bank received my disputed letter on XX/XX/2020 ( see attachment ). They violated the Federal Law because they were required by law to notify the credit bureaus within 30 days and add a statement to my credit report within 30 days that says I have disputed the above item in question, attached you will find a copy of my XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX credit reports dated XX/XX/2020 ( 31 days after Citi received my disputed letter ). Which shows that Citi Bank violated the law when they didnt put the statement on my credit report that I disputed the account with Citi Bank on my credit report within 30 days. I am requesting the help of CFPB to hold Citi Bank accountable for violating Federal Law and have them delete the item in question from all three of my credit report because they failed to follow the Federal Law or I will proceed with a lawsuit in Federal court.