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

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open up a Credit Card with Capital One Saks XXXX  Ave. under my name. 

I told Capital One that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to XXXX as an " Open Account '' under my name.
Product: Prepaid card

I received an American Express Reward Card as a gift. I received the card a few years ago. I just tried to use this card today and was told that it had a XXXX XXXX balance. 
I read the front of the card which stated that it expires on XX/XX/2025. I read the back of the card which stated that the funds will never expire. It also state that the card will be charged a monthly inactive fee of {$3.00} each month. Since I never opened the card until today I was not aware of the {$3.00} fee. I would like American Express to recharge the card back to the {$100.00} face value so I may use it. The card is not expired and they claim that the funds Do Not Expire.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account Number XXXX XXXX Balance : {$440.00} XXXX XXXX Account Number : XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Balance : {$5100.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$880.00}
Product: Credit card

A credit card was opened in my name. I had no knowledge of this card and this card has a balance of over XXXX dollars. I have tried to dispute this several times and chase continues to deny my disputes.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, I am the one generating this statement. Per the Fair Credit Reporting Act these listed accounts should not be furnished on my consumer report as they violate 15 US code 1681-B the permissible purpose of a consumer report in general subject to subsection C any consumer reporting you see me furnish a consumer report under the following circumstances and no other ; 2 - by the written instruction of the consumer to whom it relates. I never gave these listed companies my written instruction to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly per 15 USC 1681-4 consumer reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the transunion but nothing has been changed. during XX/XX/2018 I had rare XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX account number XXXX and account number XXXX has violated my rights. 
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.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/year> Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Checking or savings account

I disputed an unauthorized transaction for {$330.00} on XX/XX/XXXX on cash app. By law, I shouldve received a provisional credit by now as its been XXXX business days and I have not received a resolution. Cashapp has yet to respond, or give an update on when they will issue my credit.
Product: Credit card

I had a credit card with Barclays XXXX, sometime last year they cancelled my card with no reason. At this point the payments had all been made. Since I chose " paperless billing '' I stopped receiving a bill in the mail. Shortly after my card was cancelled I called Barclays to let them know I needed a paper statement. They did not send me the statement. I contacted them again and just made the payment over the phone. Barclays took more money out of my account than I authorized. When I called them back to question this I was directed to a person I could not understand because they spoke broken XXXX. Since this time I have requested a paper bill so I could make my payment online and everytime I call they say they will send one but never do. At this point my payment is about 3 months late and I am trying to pay it but I can not trust them to take a payment over the phone and they will not send me a bill. I feel like they keep restricting my online access so I can not make the payment and this will happen. Also, last time I spoke with an account representative they insisted on asking my whole social security number, which I feel is suspicious.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed I have XXXX late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with XXXX  accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( XXXX ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late. 

Can you also make sure its XXXX name on my account as ( XXXX XXXX XXXX ) any other name is not me so anything linked to XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, XXXX XXXX is not me.Thank you! Please do not disregard the screenshot attached My only adress is XXXX XXXX XXXX, XXXX XXXX any other adress on my account is not me and you will be held accountable for inaccurate reporting by law which I know good. These following addresses donot belong to me ( XXXX XXXX XXXX, XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX, XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX belong to me please erase these addresses as soon as possible, thank you!
Product: Debt collection

The debt was from an auto accident XX/XX/2010. I sustained injuries and the XXXX XXXX was called. I could not leave with the XXXX at that time because I was making arrangements for my totaled car and speaking to police. In PA we have the no fault law that medical bills due to any auto accident are submitted to your auto insurance carrier until the benefits are exhausted, then to your medical insurance. My auto insurance, XXXX XXXX, paid the allowable {$80.00} of the {$100.00} bill. The {$20.00} that was not paid should have been written off or submitted to my medical insurance. I spoke to the XXXX XXXX personnel several times and they told me they would correct the error ... .over 5 years later and still on my credit!
Product: Student loan

I have about {$90000.00} just in private student loans. I have XXXX private loans with different interests rates which is about {$900.00} a month just for my private loans. I have federal loans with Navient as well and those are about {$300.00} a month with a total of about {$1200.00} a month just for student loans. I have let Navient know multiple times that I am not able to afford that amount of money a month and they refuse to work with me to lower my payments. They have insisted that I am at the lowest payments. They have suggested that I put my loans in forbearance and did not let me know that I only have a certain amount of times for my loans to be put in forbearance and that when they put it in forbearance they tell you it 's for 3 months, but do n't tell you that they will back date your account that three months so it really only ends up being 1 month of no payment. My private loans have lowered my credit score by XXXX points. As of right now they put me on a 15 month payment plan and they say that after 3 months my account will be " current '' and my credit score will go up. I only agreed because I am concerned about my credit score and they refused to lower my payments without me being on a payment plan. These loans have been very stressful since I 've graduated. I am not able to consolidate my private loans and when my federal loans were consolidated they split it up into XXXX lump sum loans instead of one loan. With my credit score being lowered due to this that will hinder me from purchasing a home, car or anything else. Student loans and Navient have ruined my life.
Product: Checking or savings account

Regions Bank as the habit of going back on policies described as ways to either prevent one 's account from receiving overdraft fees or reimbursement for fees imposed and the given excuse is always processing. Example one : regions ' policy is that if you have a negative balance at the start of business, usually XXXX, and if by the close of business ( XXXX pm ) you have brought your account to a positive status you would be able to avoid transactional overdraft fees of {$36.00} per, for overdraft transactions posted to your account. However, you may bring your account to a positive status by the close of business for the transactions " posted '' to your account but then while processing transactions overnight you may still wake up to a nsf fee imposed for any additional transactions that was posted overnight that was not visible to you. My argument to them would be that I brought my account to a positive status before XXXX, they would acknowledge this but then say that a merchant presented a debit that was processed overnight. I would argue that this was not visible to me thereby denying me the time to cover it and that that transaction should be forwarded to the next business day since it didn't make it to the close of business by XXXX and I have no way of knowing or covering what is posted overnight. Example two : if I wanted to stop or revoke an ach payment authorization while it's still pending to my account I'm unable to, I have to wait 'til it's posted before I can do either even though I know I will be overdrawn because I have several transactions that will be automatically drafted that will overdraw my account and I would receive a fee for each transaction but they tout that each transactional fee will be refunded after the request is submitted. They do not abide by their own policy and have not and will not refund me nsf fees in the amount of {$100.00} dollars for a payment authorization revocation I submitted on XX/XX/2025.
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I had transferred {$600.00} from my checking account on XX/XX/XXXX and was told that the money was available that day. I informed the receiver that the money was available. When he went to collect the money, it was not there. On XX/XX/XXXX the money was taken from my account. I called on XX/XX/XXXX and XX/XX/XXXX and was told that the bank was holding the funds. Not once was there an explanation of how to open a case. On XX/XX/XXXX I opened a case and was told I should get an answer between 24-48 hours. I called on XX/XX/XXXX and was told it would take another 24-48 hours. I called again today for a status and was told that it would take another 24-48 hours. The funds are missing and their customer service is deplorable.
Product: Credit card

I was advertised for a preapproval application for capital one venture one card with a signup bonus of XXXX travel points if I spent XXXX dollars. I did the spending threshold about 3 months ago. Now they don't want to honor my offer. They gave a vague answer and no solution
Product: Debt collection

Assetcare LLC Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.
Product: Money transfer, virtual currency, or money service

I 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 XXXX for these violations.
Product: Debt collection

Dispute inaccurate items on my credit I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS INCARCERATED SINCE XXXX released XX/XX/XXXX I have uploaded, faxed, mailed my police reports Time served paperwork and released date of prison.i would like this resolved it's been over 30 days I honestly feel I am being over looked at because of my incarceration. I should only have my vehicle loan on my credit report ( XXXX XXXX ) This is unfair and I would like this resolved or I will consider filing grievances thank you