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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX 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: Debt collection

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX {$3300.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS, INC. {$3300.00} I have report your company to  consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am filing a complaint against Bank of America because on XXXX XXXX 2017 I had a wire from prosper market place in the amount of {$33000.00} and I also deposited a check from a line of credit that was approved in my name in the amount of {$10000.00}. Bank of America is claiming that they received a call from XXXX Bank in reference to the valid deposit. The loan is in my name and valid yet XXXX wants to do further research. I have already provided XXXX with proof of identity and gone in to the branch but they are giving me a headache after the check has already cleared with Bank Of America. Because of this Bank of America has place a hold of {>= $1,000,000} on my account and is not letting me access any of my funds. This is illegal that they are holding even the wire that has nothing to do with XXXX bank deposit of {$10000.00}. I need my funds released ASAP.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, personal loan, or advance loan

Harassment, One Main has been calling me several times in a row while trying to work one day they called over 7 times which violates the telephone phone act of how many times a debt collector can contact you in a day pertaining to a debt
Product: Money transfer, virtual currency, or money service

I am writing to show I am concerned about Zelles usage and abuse of handling disputes. The CFPBs finding indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system. This black of accountability is unacceptable and raises serious concerns.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found an account on my credit report that I did not open. This has been hurting me as I am in the process of purchasing a new home. I asked that this be removed immediately.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a 30-day late payment that was reported to the credit bureaus on my Kia Finance account . 
The late payment occurred in XXXX or XXXX of 2024 and I believe it was a mistake or an isolated event due to a technical issue on Kias end. 
Since then, I have worked diligently to keep all accounts in good standing and have a positive payment history. I am currently in the process of improving my credit score for a home loan, and this 30-day late payment is significantly hindering my efforts.

I have reached out to Kia Finance multiple times to request proof for this one-time late payment, but have not received a response. I am asking for assistance in removing this 30-day late payment from my credit. 
I would appreciate any help that can be provided regarding this issue.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023XX/XX/year>
Product: Checking or savings account

Navy federal has been charging my card overdraft fees from places I dont even know or trying to make an ACH payment with no money in account. It over drafted my card many time and I had to pay them back to continue to use navy federal services. Overdraft fees are ridiculous especially when you dont even know that the account keeps trying to take a payment out its been very frustrating.
Product: Credit reporting or other personal consumer reports

DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.
Product: Other financial service

I was contacted by a representative and was told that I needed to pay for a credit report. The very next morning I tried calling to cancell and was not able to speak with anyone. When I was contacted today by a representative from thier company I told him that I had been trying to cancell and he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted equifax on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years
Product: Debt collection

I am trying to contact Ford Motor Credit. I have an account with them. Account information is : ACCOUNT NUMBER : XXXX, MAKE AND MODEL : XXXX XXXX XXXX, OPENED ON XX/XX/2019, HOGHEST BALANCE {$11000.00}. I have been turned down from several lines of credit because of their error. 

They are reporting a late payment pn XX/XX/2019, which is not accurate. 

They are being negligent, unfair, and also they have failed to investigate my dispute that was sent back on XX/XX/XXXX. 

I am opened to discuss this with Ford, rather by email. 

Please send the attached documentation to Ford Motor Credit. 

Thank you, CFPB.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically 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 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 these violations.
Product: Debt collection

The week of XXXX of XX/XX/2024 on the XXXX or XXXX a representative of Midland credit management inc. a debt collector called my soon to be XXXX XXXX ( this credit card existed before we were married and has nothing to do with this individual ) and shared confidential information. By disclosing my debt to this person who is not authorized on the account and is XXXX. How dare these people violate my privacy and civil rights. They should have called me.. I have not received not one call or email from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service, support & unfair practices. This is a clear violation of the Consumer Financial Protection Act ( CFPA ). CashApp has failed to take timely & effective measures to prevent, protect, or address fraud on their platform, leaving my account vulnerable.

Further more, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience & financial losses. Im seeking the appropriate redress for these violations, issues & losses.
Product: Debt collection

I have been a customer for over 4 years at the XXXX, TN XXXX XXXX and have rented several units during this period. I fell behind on some units during this time and I was offered a pay to vacate which I was told by manager XXXX XXXX ) that her manager gave her permission to offer the pay to vacate to avoid foreclosure of the unit and to allow me to receive my personal property. The pay to vacate avoids additional costs and fees to the company and gives the company back the unit so they may rent it again. I agreed to the pay to vacate at XX/XX/. I removed all the personal property within a 24 hour period and I was told that I would not owe a balance. I moved out of the unit and never heard anything more about the unit at XXXX. I also had another unit at the other location that I rented and I dealt with the same manager. I fell behind on this unit and was given another pay to vacate. After moving out of the final unit I rented from them I received a telephone call from a debt collector. I explained that I do not owe anything and immediately called the manager XXXX. She explained that I owed only {$150.00} and that she would inform her manager to remove from collection and clear the account. I immediately paid the {$150.00} and called back and told the collector that I spoke with the manager and she confirmed that I did not owe anything except the {$150.00} and it will be removed after payment. 
I never heard from anyone else until XXXX, I received a alert on my credit that lowered my credit. Once I checked the report, it was Kinum, INC that had put {$660.00} debt from XXXX XXXX XXXX. I tried to call XXXX at XXXX and she did not answer nor return the phone call. I did speak with the manger XXXX who I recognized from being a customer for so long. She informed me that she would tell XXXX to call due to the not being the one that moved me out but did confirm in her system that I owe {$660.00} at the XXXX location and most recently over {$500.00} at the other location that I most recently moved out of. I asked to speak with her area manager and she promised that XXXX would call back. One week later he has still not returned the phone call after several other attempts to call. I called the debt collector and asked how did it get reported when I disputed the claim and I was told that a verbal dispute was different and they sent a letter to my address and I did not respond within the time allotted. I asked them to prove the debt and at the time he could not and told me that they go off the company 's verification at will.
Product: Debt collection

OnXX/XX/XXXX the Stafford group contacted a family member again. This after they have previously responded to my last complaint to stop communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE LEGAL POWER OF ATTORNEY FOR XXXX XXXX XXXX # XXXX XXXX, XXXX and myself ( XXXX ) received numerous calls in XX/XX/XXXX and early part of XXXX XXXX that came up on our phones as " potential spam '' We did not answer and no messages were left to identify who was calling. # 2 Co signer XXXX received a past due statement in the mail from AES around XX/XX/XXXX regarding XXXX 's student loans. # 3 found out the number that was calling us and not leaving messages was AES. # 4 XXXX undergoing treatment for XXXX XXXX XXXX  diagnosed in XX/XX/XXXX. Explained to AES on XX/XX/XXXX we were not aware of past due balance and XXXX had XXXX. # 5 AES said they would MAIL a forbearance form to our home.It never came # 6 I called AES around the end of XXXX XXXX was told by AES to print out the " XXXX FORM '' from their website # 7 XX/XX/XXXX AES reported XXXX and XXXX account as " delinquent to the credit bureau. # 8 XXXX contacted AES and was told the wrong forms were sent. The representative said she would E-mail the forms along with a Dispute form for the negative credit reporting. We filled out and mailed back the next day. # 9 XX/XX/XXXX contacted AES to find out the status of forbearance and disputes was told by another representative XXXX that again the wrong form was filled out even though the form we sent them was the one they E-mailed to us. XXXX directed us to the website and told us exactly the form to fill out. I printed and mailed back the next day. # 10 In the mean time XXXX contacted XXXX  and filed a dispute with them regarding the negative credit reporting. 2 Weeks later AES reported a " improved account '' with XXXX  and XXXX   for XXXX. # 11 XXXX noticed credit was not improved with XXXX  and filed a dispute with them. # 12 I filed a complaint to the Ohio Attorney Generals office approx. XX/XX/XXXX regarding the phone calls with no messages and negative credit reporting. # 13 XXXX  reported AES would not change credit reporting for XXXX. ( Hmm could it be this is when they received a letter from the Attorney General? ) # XXXX  Received response from AES regarding complaint explaining that they reported accurately and they would not be making an adjustment. They never mentioned the main concern I had with why they did not leave messages identifying who they were when calling. They also mentioned in the letter that AES spoke to XXXX on XX/XX/XXXX and said that he did not need his accounts placed in Forbearance. My issue with this is that XXXX had XXXX XXXX XXXX on XX/XX/XXXX at the XXXX XXXX and was in the hospital on a XXXX XXXX   as well as oral XXXX and was not able to make rational decisions. When checking XXXX 's account around XX/XX/XXXX they were listed in " Forbearance '' then removed to " regular '' on XX/XX/XXXX. I sent a rebuttal letter to AES as well as to the Ohio Attorney General on XX/XX/XXXX. I have attached all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney submitted two packages of doucuments via fax and direct mail. They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the RIS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by XXXX. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that XXXX is now in direct violation of the FCRAs 605B provision. Apparently, XXXX  is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : ALLY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is being sent in response to a consumer report recently obtained by the Claimant from XXXX, Experian, and XXXX. Please be advised that XXXX XXXX is reporting damaging information, which has caused undue distress. 

It is my contention that XXXX XXXX lacks standing to report such information or to attempt collection on the alleged debt, as it is not the owner of the debt but merely acting as a servicer. As such, XXXX  XXXX qualifies as a debt collector and is therefore subject to the Fair Debt Collection Practices Act ( FDCPA ).

Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.