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

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX GA XXXX ] [ XXXX ] XXXX [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX Georgia XXXX ] Subject : Dispute of Civil Liability for Negligence Non-Compliance with Section 1681O Dear CFPB I am writing to formally dispute the allegation of civil liability for negligence under Section 1681O, as outlined in the notice I received from your office dated [ insert date of the notice ]. I believe this claim is unjustified and wish to present the following grounds for my dispute : Non-Compliance with Section 1681O According to Section 1681O of the relevant statute, a party may be held liable for negligence if they fail to comply with specific regulatory requirements. I assert that I have adhered to all applicable requirements, and there is no evidence supporting the claim that I failed to comply with the stated obligations. 

Factual Inaccuracy The notice you have issued suggests that [ specific action or inaction ] has led to the breach in question. However, this assertion is based on inaccurate or incomplete information. [ Describe the factual inaccuracies in the allegation, including any steps you took to comply or prevent non-compliance. ] Mitigating Circumstances If any issues related to compliance arose, I would like to highlight that [ provide any mitigating circumstances, such as technical difficulties, delays beyond your control, or any good-faith efforts to resolve the matter ]. 

Lack of Proper Notice It is also my belief that proper notice or adequate opportunity to rectify any alleged issues was not given, which is a required component of compliance under the relevant legal framework. 

Given the above, I respectfully request that you reconsider the assertion of negligence under Section 1681O and withdraw the claim for civil liability. I would appreciate the opportunity to discuss this matter further to reach a resolution. Please provide any additional documentation or evidence that supports your claim for review.

Please confirm receipt of this letter and notify me of your next steps. I look forward to your prompt response. Please remove the following items from my credit report immediately. XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX  XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). 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. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork per the FCRA. Nothing was done correctly, and the paperwork was not attached to my disputes. And I have not gotten copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX Dept of EDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to request that you remove the following unauthorized inquiries from my credit report : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  XXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Creditor : XXXX XXXX  Inquiry date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX Inquiry date : XX/XX/XXXX Section XXXX XXXX f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. None of these inquiries were made by me therefore they do not have have permissible purpose. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I want these inquiries removed immediately as they are cause a devastating dip in my Fico Credit Score. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed two charges made with my Barclays Bank Delaware Credit Card to a marketing service company called XXXX for a total of {$3300.00} and Barclays failed to perform the chargeback even though I provided Barclays with sufficient explanation and evidence showing that XXXX was conducting unfair business practices ; making false statements about me accepting their terms and its no-refund policy ; and ultimately failing to deliver the benefit I paid for. 

I paid XXXX  {$3300.00} ( one charge for {$3100.00} on XX/XX/2019 and one for {$170.00} on XX/XX/2019 ) in advance for 32 video testimonial posts by XXXX XXXX on their XXXX   pages to be seen by their followers to promote the sale of my product ( the XXXX XXXX XXXX XXXX  : XXXX ). XXXX advertises and claims on the home page of their website ( XXXX XXXX XXXX ) : The content created on XXXX converts audiences to paid customers. 

I received zero ( 0 ) video testimonials I am entitled to a full refund for the total of {$3300.00}. To date, XXXX has issued only a partial refund of {$670.00}. 

I am also entitled to reimbursement of {$1500.00} worth of lost product shipped ( AND {$240.00} lost shipping and handling fees ) to XXXX that kept the product and did not post or were not approved to post as a result of not meeting content approval requirements. 

PLEASE ATTACHED UPLOAD DOCUMENT FOR FULL DETAILS AND SUPPORTING DOCUMENTS
Product: Credit card

I transferred money from a credit card to Bank of America 's XXXX % APR for XXXX months. I transferred about {$7800.00} to the card. I setup auto pay online with my bank account on their Bank of America online credit card account. Everything was setup to pull {$100.00} to the minimum payment of {$79.00}. The due date was XX/XX/year> and the auto pay should have been pulling the money from my account automatically. However, I received alerts from credit bureaus that I am over my account amount. I checked my account today XX/XX/year> and I owe {$180.00} with a {$29.00} fee onto that bill. 

I setup autopay, which was on, and XXXX setup the amount to about {$100.00}, it should have taken the {$100.00} dollars with no issue. In this case they charged me and the {$100.00} amount was never drawn from my bank account making pay a fee of {$29.00} dollars in the process. When I called them regarding the issue they sent me to a general support and claimed they person can not do anything with my account. They claimed to have called the Online Banking/Mobile Department but they were closed. The support decided I should call the next day, even though that departments open hours are from XXXX XXXXXXXX EST time. So, even if I called during their normal working hours they still were not available. I asked about giving my a case ticket, and this support could not even give me that. Only a phone number and time available, which they should be available and not closed.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Product: Credit card or prepaid card

money is put on my card every month thru social security they froze my account. 
They asked me to send documents to unfreeze my account. 
I sent every document they asked for at least 20 times they keep giving me the run around won't let me speak to a supervisor and hang up on me after waiting hours on hold. 
this is the first action
Product: Credit reporting, credit repair services, or other personal consumer reports

A card at this institution was fraudulently opened up in my name. I apprised them and they have not closed the card. They wrote me, stating they do not believe it was fraud.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding inaccurate credit reporting to the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ). Despite making timely payments on my Chase Bank account, the following inaccuracies have been reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/year> on XXXX, XXXX, and XXXX 60 Days Late : XX/XX/year> on XXXX, XXXX, and XXXX These late payments are incorrect, as I have made all payments on time during the periods in question. I have attempted to resolve these inaccuracies directly with Chase Bank, but the incorrect entries persist across all three credit bureaus. 

Impact of Inaccuracies These inaccuracies have had a significant negative impact on my credit score and overall financial health. I have experienced difficulties in obtaining credit, increased interest rates, and damage to my creditworthiness due to these erroneous reports. 

These actions are necessary to restore my creditworthiness and mitigate the financial damage caused by these inaccuracies. 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues with Chase Bank.
Product: Checking or savings account

I applied to open capital one 360 account online but they declined to open it without any valid reason or provide any kind of reasoning. 

It is a third class bank
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/2019 I send my son XXXX from my checking account XXXX XXXX XXXX XXXX  to his XXXX XXXX account he received it via XXXX XXXX in to this checking account XXXX. The next day XX/XX/XXXX I send him XXXX dollars again plus XXXX from my XXXX XXXX XXXX XXXX to his XXXX XXXX account. He wasn't able to received those monies. So he email XXXX XXXX to inform them of the situation he hasn't as of yet received any email from them. 

Mean while as he was sending his email I decided to call the customer service number XXXX XXXX. have on their website XXXX it has a recording. So I hung up and dialed that same number again and someone picked up and started to assist me need less to say I was on the phone with this person for about 40 minutes. my son and I. The person on the XXXX XXXX   phone number told me that our accounts was frozen till the next day and that XXXX would get the monies back into his XXXX XXXX account within 24 hours. Well 24 hours later no monies.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in ( BACKDATE AT LEAST A YEAR TO WHEN YOU DID THE FIRST HARD INQUIRY AND PUT THAT YEAR AND PLACE HERE ), since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Money transfer, virtual currency, or money service

I am filling 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

I filed a dispute for XXXX charges on my card with the way 2 go card and sent in the paperwork they requested the same day. After 15 days they are still working on the dispute I asked if they would be provided in a provisional credit in the mean time? I was told no that they would not that they don't have to and it may take up to 45 days for a resolution. But it clearly says in their terms and conditions that they will provide a tempory credit if it's been 10 days and they haven't finished the investigation. Why am I not given the same " temporary credit '' /provisional credit as everyone else?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian and XXXX violated my rights as a Consumer, The are in direct violation of the Privacy Act of 1974, FCRA, 12 CFR 1022, 15 U.S.C. 1692g, 15 U.S.C. 1666B and many others. Upon review of my credit profiles in which I found several inaccuracies. I immediately called each company to get these inaccuracies immediately deleted but to my demise Experian and XXXX refused to delete them citing that they did not have to power to delete these accounts because they belonged to the companies reporting them. I stated those are my account as I am the Bona fide Consumer and that this credit file belongs to me and not the Companies reporting Accounts in error. I also informed them that the Internal Revenue Service states that Charge-Off 's and consider Income and the can not report any account related to income per the law. The refused to immediately remove them stating that I needed to file a dispute with each individual company.

I found these Accounts being reported in error on my credit profile for Experian and XXXX : XXXX. XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XXXX XXXX, XXXX Open/closed Closed Status Account charged off. {$9000.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the following accounts be verified properly or deleted immediately, because the terms payment dates and or balances are not matching across other credit bureaus. I sent 4 letters over the course of 1 year requesting the details below. 


My Last letter was sent off on XX/XX/2022. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am writing to formally dispute the accounts referenced below, which have been incorrectly reported to your organization. I demand immediate investigation and resolution of these matters as they are not accurate, and failure to resolve this will leave me with no other choice but to take further action, including but not limited to filing complaints with regulatory authorities and exploring legal options. 

Account Details : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Amount : {$34000.00} XXXX  Account Number : XXXX  Date opened : XX/XX/XXXX Amount : {$500.00} I expect a full investigation into each of these accounts and the inaccuracies that have been reported. The lack of prompt action on your part will result in legal steps being taken. If any of these accounts are found to be in error, I demand that they be corrected immediately and that any negative marks against my credit report be removed.
Product: Debt collection

Good morning, My complaint is in reference to a debt I owed to the company " XXXX XXXX at XXXX XXXX '' apartments. On XX/XX/XXXX, I received a civil warrant from the XXXX XXXX XXXX XXXX. The amount owed was a total of {$2100.00}. The original debt was taken over by The Law Office of XXXX XXXX https : //jennifermccoylaw.com. I was summoned to court on XX/XX/XXXX. 

I decided to pay the debt in full once I was able to gather the funds and paid the full amount of {$2100.00} ( the amount that was listed on the civil suit ) on XX/XX/XXXX. Upon checking my credit history via XXXX XXXX, I noticed that my collection is still open with the Law Office of XXXX XXXX and I've been charged an additional {$270.00}. 

I would like to get this removed and my credit report updated with the collection being paid in full. They've been a pain to deal with. They even sent a debt validation letter with some sort of substance inside that attracted hundreds of ants. The photo I'm attaching is absolutely disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a proper dispute on account ( XXXX from XXXX XXXX ) with Trans union. 
TransUnion received the dispute XX/XX/2019. I sent the reporting creditor ( XXXX XXXX ) a request for validation and they received it on XX/XX/2019. I didn't get a reply from XXXX and TransUnion didn't do a proper investigation or properly mark the account in dispute, which, is an FCRA and FACTA violation.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX