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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

I am getting started on the home buying process. I have worked extremely hard getting my credit scores where they need to be. This week my Transunion credit score dropped close to XXXX points, putting me in the XXXX. They have told me the only change was a credit card purchase of less than {$100.00}. My XXXX, XXXX, and XXXX scores continue to increase. This drop has ruined my home buying process with no reasoning or offer to help find the issue. Transunion has been no help at all in finding a discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a change in credit score from XXXX XXXX saying I owe over {$20000.00} in loans. Report was by XXXX. I dont have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following addresses and phone numbers have violated my rights. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX Apt XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX, Tx XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 15 U.S.C 1681 section A

. States I have a 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$720.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : 1. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 2. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information.

3. Send me an updated copy of my credit report reflecting these changes.

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.
Product: Debt collection

I am fearful that Midland Credit Management ( " MCM '' ) is using deceptive practices. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation through certified mail. It was received and signed on XX/XX/XXXX. Yesterday, XX/XX/XXXX, I received from them a threatening pre legal notification. I have two concerns ; first, the letter is dated XX/XX/XXXX and came in an envelope that is not postmarked. Secondly, under the Fair Debt Collection Practices Act, when validation is requested the Collector must cease all activities ; including credit reporting after a validation request is sent. With this in mind, Midland Credit Management ( " MCM '' )  has violated this law. They have yet to respond to my affidavit of notice for demand of debt validation ; yet, sent a pre-legal notification letter -falsifying the date of the letter, while still in the 30 day validation period I allowed them. Their falsification of the date can appear as if it was sent prior to my affidavit of notice for demand of debt validation and I would like to go on record ... with proof that this is a direct violation of the Fair Debt Collection Practice Act and Defamation of Character as they are still reporting inaccurate information to the credit reporting agencies. I respectfully ask for assistance with this matter. Please see the attached proof of my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$690.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o In the payment history its marked as late, but also a charge off they can not be the same o Equifax reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o The closed date has No info XXXX : o Equifax reports last payment of XX/XX/XXXX, but Equifax reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o XXXX o Equifax reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o Worst payment information says No info o In remarks it is indicated as charged off, but still has a balance which is not possible. 
o In the Times 30/60/90 days late, it shows all XXXX but is charged off. Both are clearly not possible.
Product: Credit reporting or other personal consumer reports

To : Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Dispute of Inaccurate Information- ( XXXX ) Dear Experian, This letter Is to formally dispute inaccurate information regarding a charge off listed on my credit report. The account details are as follows : Account Type : Auto Loan Creditor Name : Ally Financial Date Opened : XX/XX/XXXX Dispute Summary : I am Disputing the accuracy of this account for several reasons. 
Missing Payment History : The report shows no information XX/XX/XXXX, or XX/XX/XXXX. The report says the date opened was XX/XX/XXXX. 
Conflicting status : The account is reported as both charged off AND past due as of XX/XX/XXXX. This creates confusion and contradicts the definition of a charged off account. 
This account also shows it was charged off as of XX/XX/XXXX, but also states a payment was received XX/XX/XXXX. If the account was charged off, how is there a balance to receive such payment? 
Late payment reporting : The report also shows 30 days past due for XX/XX/XXXX and XX/XX/XXXX. Wouldnt the past due be 60 days past due in XX/XX/XXXX if it was 30 days past due in XX/XX/XXXX? The inconsistency raises concerns about the data validity. 
Lack of verification : My previous request for verification and validation of this account resulted in insufficient response details on who verified the information, their title, and the verification method used. \ Violation of FCRA : These inconsistencies and lack of proper verification, constitute a violation of the fair credit report act, FCRA, 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information.

Request : Based on the inaccuracies detail above, I demand a complete deletion of this account from my credit report. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 
The response should include : Explanation of the investigation conducted. 
Details of communication with the creditor regarding verification. Revised credit report, reflecting the deletion of the account, if applicable. 
Thank you for your prompt attention to this matter XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violation
Product: Credit reporting or other personal consumer reports

I called Equifax in XXXX regarding the updating of my consumer report. I notice that after doing a UCC-11 search there was no liens on me. The creditors furnishing information to Equifax should have registered and recorded any alleged debt reflecting a lien on my UCC-11 search if I have an alledged debt with them. Equifax and the creditors should have reported and registered the alledged debts to the Secretary of State required by federal law. Equifax is also in violation for reporting inaccurate information on my consumer report. According to 15 usc 1681 ( a ) ( 2 ) late payments are excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 Ay 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
Product: Mortgage

i have a mortgage loan with ditech, they owe me {$160.00} for an escrow account overage. it was to be mailed to me by XX/XX/2016. i have received no refund check. the " customer service '' rep was unable to provide any answers. Also during this call i found out that ditech has been stealing the extra money i have been paying towards my principal balance since at least XX/XX/XXXX, under the shroud of " administrative fees ''. again the customer service rep was unable to provide any reason for this. i have never been late or missed a payment ever! i am assuming this is a result of my complaint from XX/XX/XXXX when i had the nerve to complain and ask that my payments to ditech be applied to my account as i 've paid them ( i.e time, account, and amount ). i can prove i have never been late or missed a payment, ditech can not do the same, as per your " customer service '' rep. I demand every penny plus interest to be refunded to my account and this lie of administrative fees, or backed owed money to be removed from my account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XX/XX/XXXX I logged online and checked my balance. I had electronic items pending as well as debit card transaction. I knew I had gas purchases so I made a deposit of XXXX which then made my balance positive by XXXX ( I have a receipt ) after the system updated that night I woke up to see my account was overdrawn by XXXX. The only thing that I can see possible is that PNC released my hold on a XXXX debit card purchase that I had did on Fri XXXX/XXXX/15 because my acct ended up being overdrawn by almost that pymnt. I called PNC and explained I know I overdraft in the past somewhat often but I truly attempted to not overdraft by checking my balance and then making that deposit. I asked for a courtesy reversal. I was told that he could n't extend one because I had a courtesy reversal on XX/XX/2015. I did n't recall having one because I do n't call for one since I know I overdraft at times. I released the call with him checked and it was n't a courtesy reversal. PNC does n't charge fees if your acct is overdrawn under XXXX. I had wrote a check and was off by XXXX cents and PNC charged me an overdraft fee and then reversed it with the phrase Reversal threshold. Im thinking since it was under XXXX and should n't have been charged. I called back the next day and spoke to a polite young lady who agreed that was a bank error in XX/XX/XXXX and that I did qualify for a courtesy reversal so she was going to escalate it further for me and I would get a call back from their escalations group. A week later I receive a call from someone who left a message with a number to the department. I called and spoke to a XXXX XXXX. XXXX was quite condescending and told me that its a myth that banks waive fees. I explained that it cant be a myth when XXXX prior cust service reps told me that fees could be waive. XXXX stated I had already had courtesy reversal which I did n't and the other stated I was right and she would escalate it. I even stated the calls could be reviewed. She continued to not listen to what I was stating and was n't even going over the transaction period that I was referring to ( XX/XX/XXXX-XX/XX/XXXX ) by the time I spoke to her since I thought I had everything covered I ended up over drafting my acct again and she kept speaking on those transactions. It was obvious she no longer was listening to me so I asked for the president name of PNC to write a complaint. She would n't give it to me. I asked for her manager and received XXXX XXXX who had to look up the name and spelling of the president of PNC but she did give it to me. She also stated that its a myth that banks waive overdraft fees as courtesy. By speaking to the prior to reps before this " escalation department '' I know its not a myth and I feel I have been lied to by XXXX and XXXX.
Product: Student loan

I sent two disputes letters for all the letters below, I told them it was impossible for me to pull these loans due to I was on a full ride scholarship. I did not sign any loan paper I asked for proof of original signature on loans three times I did not receive the signature just a verified letter which makes no sense. This is now affecting my credit score and needs to be removed now. 
Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance Loan Amount {$3600.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Loan Amount : {$1800.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance {$1100.00}
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 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2018 - Wells Fargo Bank N A - placed a message in my online account - message center - We have shipped your new Wells Fargo Debit Card ending in XXXX. The card was shipped to XXXX XXXX XXXX, XXXX, FL XXXX. The message was added at XXXX on XX/XX/2018. I never requested nor approved of them sending another debit card. They refused to tell me who asked for the debit card. I don't know how that person got access to my personal information. I told her that I truly believe an employee is responsible. I follow protocol for logon. The thing that really irks me about Wells Fargo is the logon, every month they're requesting a new username or password, not an exaggeration. On XX/XX/2018 - while on the phone with one of them - to close my account - I told her I wanted to setup bill pay for XXXX she did this for me, the payment was for {$45.00}. A few days later I get another message telling me I have XXXX dollars, I was supposed to have {$.00} in my account. I message them on XX/XX/2018 asking them for my {$.00} to be returned to my checking account. Now because of all this type of problems going on I have to save copies of the things I do in my account. Thats not right. Senior citizen permanently XXXX, with no relief in sight. I filed a report for FRAUD and Identity theft.They sent a message > telling me that they've update my account information, without even explaining or acknowledging their mistake thats a cove up.Somebody is lying. I responded to that message.
Product: Credit reporting or other personal consumer reports

I sent a letter for inaccurate account and inquiries on my credit report.. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. This has really caused me a lot of stress and strain and I demand that these information and inquiries be deleted immediately or I will file for litigation. My information was also impacted by the data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX  XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

FINANCIAL DATA SYSTEMS LLC They failed to send me a signed contract to do business with their agency. They are not authorized to report to my credit report as I have not signed a contract to do business with them. Theyve failed to send me information on this debt. 

I disputed them twice and still no validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 by USPS certified mail to Equifax, XXXX, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We requested an equity line of credit from US Bank in 2011. Instead they sent us a check for the amount of the credit line. We immediately returned the money to the bank, informed the bank of the error and requested for the account to be closed. We were made to believe that this has been done. About a year ago US Bank started sending us bills saying we owed them service fees for the past ten years because they never closed the account. The records clearly show that the money was never touched, we never used any credit and there were never any transactions on the account. For the past year US Bank has been giving us false promises of closing the account and zeroing out the fees and bounding us from person to person, hanging up on us, etc. This is an extortion attempt by the US Bank and is unacceptable.