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

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an ongoing issue with my credit reports. Specifically, I have noticed that XXXX and Capital One have been inaccurately reporting charge-offs on my credit reports. Despite my efforts to dispute these entries with the major credit bureaus, the disputes are resolved almost immediately, with no changes made to the reports. 

I am concerned that these incorrect charge-offs are negatively affecting my credit score and causing undue harm to my financial reputation. I have provided relevant documentation to the credit bureaus, yet they continue to uphold these inaccuracies without providing detailed explanations. This leads me to believe that the dispute resolution process may not be functioning as intended, or that the information reported by XXXX and Capital One is being processed inaccurately. 

In light of the aforementioned, I have reported these discrepancies to the Internal Revenue Service ( IRS ), as I suspect there could be tax implications related to these charge-offs. Additionally, I am reaching out to your office, as I believe this matter falls within your jurisdiction regarding the regulation and enforcement of consumer financial protection.
Product: Credit card or prepaid card

NFCU declined a credit card charge on XXXX after Flagging/Blocking my card on XX/XX/22, but the problem is, I was NEVER advised of any possible fraud on the card prior to me attempting to use my card XXXX weeks later! 
When I call, " XXXX '' refuses to escalate my call to someone who may be able to answer my questions. I was on hold XXXX minutes and ended up calling XXXX because " XXXX '' in Credit Card Services decided she wouldn't take the call after I insisted with the representative " XXXX '' that I wanted to speak with Her supervisor. 
I'm concerned about ALL of my accounts with NFCU when the repS responses is consistently, " I don't know! '' I don't have this problem with my XXXX accounts
Product: Vehicle loan or lease

I.m dispute and contest the amount of {$9700.00} toward Consumer Portfolio service and this account is totally close... XX/XX/24
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of Tricolor Auto Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX  XXXX XXXX  {$170000.00} XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  {$990.00} XXXX XXXX XXXX {$170.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well.
Product: Consumer Loan

My vehicle was repossessed in XX/XX/XXXX. A complaint on deficiency was filed in the County Court of the First Judicial District of XXXX County, Mississippi against my grandfather, primary buyer and I the co-buyer. The Mississippi Statue of limitations on collecting on a debt is 1 year. A default judgement was entered on my grandfather on XXXX XXXX, XXXX. A writ of garnishment was issued against him on XXXX XXXX, XXXX. Due to lack of knowledge of the fair debt collection practices act notice, I did not fight the summons I received on XXXX XXXX, XXXX. Which would have surpassed Mississippi State of Limitations on collection on a deficiency claim. A default judgement was then entered against me on XXXX XXXX, XXXX. A writ of garnishment was issued on me on XXXX XXXX, XXXX.they renewed the garnishment on XXXX of XXXX. Fast forward to XXXX XXXX, XXXX my bank received notice to froze my accounts due to the garnishment issued in XXXX. My accounts became frozen on XXXX XXXX, XXXX. I was n't given any notice as to what was going on until my accounts was frozen. State law dictates I have 30 days to respond to the garnishments of my accounts before they will release funds to the courts. I have only been given 10 days to fight back. I am in the process of writing a letter to courts to file a motion to vacate the judgment due to the Statue of Limitations expiring before the summons to appear in court to fight the judgment.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  XXXX Account # XXXX have 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 an account without my written instructions.

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. 

Inaccuracies for XXXX XXXX XXXX Account # XXXX listed below. 
Date of last activity : Transunion reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : Transunion reports XXXX. XXXX reports XX/XX/XXXX. XXXX reports XXXX Payment History : Transunion reports XXXX history available. XXXX reports XXXX made 65 % of payments for this account on time. XXXX reports XXXX made 80 % of payments for this account on time. 

Inaccuracies for XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX listed below. 
Date of last activity : Transunion reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : Transunion reports XXXX. XXXX reports XXXX. XXXX reports XXXX Payment History : Transunion reports No history available. XXXX reports Youve made 17 % of payments for this account on time. XXXX reports Youve made 21 % of payments for this account on time. 

These inaccuracies are preventing me from getting a student loan to further my education, and from buying or renting a home.
Product: Credit reporting or other personal consumer reports

Good day, the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. Thanks!
Product: Debt collection

Name is not legal name never had a middle initial. Ss card and birth certificate prove it. Never had a po box listed. Reported fraud 2 times.
Product: Credit card

Activated the {$20.00} XXXX  Cashback reward for my credit card on XX/XX/XXXX. Made my first purchase at XXXX with the card on XXXX XXXX. The cashback was never credited. I called and spoke with a foreign outsourced scriptreader last week and was told it would be credited by the end of the week. Of course, it wasn't. Called again today, and was transferred to XXXX different numbers because every department of customer service has a different number and was given the runaround and excuses. The offer states when you spend {$57.00} or more. I spent {$72.00}. The offer states must make first recurring payment by XX/XX/XXXX. I made it on XX/XX/XXXX. Offer states purchase must be made with the merchant. It was. I've had a similar offer on other credit cards from other banks and this is the ONLY one that has failed to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX XXXX and XXXX reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX XXXX XXXX reporting 60 days late EQUIFAX reporting 30 days late, XX/XX/XXXX XXXX and XXXX reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX  According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.
Product: Credit reporting or other personal consumer reports

XX/XX/year> U.S. Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX, responded with a letter stating that they did not report anything in public records. a copy of the letter was sent to XXXX, XXXX and Transunion for removal according to violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. That would also include Childsupport enforcement account # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX I request that the items be deleted from the credit report and updated immediately. 
In addition, there are also collections and charge offs being reported they are inaccurate Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed XX/XX/2018 however, for the last few months transunion has been reporting this account as chargeoff which is bringing my score down every month. The bureaus have a duty to ensure that info is reporting accurately per fcra. If corrections arent made to payment history Im requesting deletion of account
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

Equifax followed XXXX 's lead and lowered my credit score to XXXX. Nothing on my credit report has changed that should allow Equifax to lower my score. I haven't missed any payments, I've had the same XXXX credit cards for years, I've banked at XXXX  XXXX XXXX for XXXX years, my house has been payed of for about XXXX years ( because I paid off a XXXX year loan in less than XXXX years ), I have roughly {$100000.00} in accounts at XXXX XXXX XXXX XXXX XXXX have over {$36000.00} in a XXXX IRA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I have over {$330000.00} in my TSP account. 

There is no intelligent reason to lower my score.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from XXXX, XXXX, and Experian and I noticed several credit inquiries listed that I did not authorize or completed. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud or improper use from furnishers. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 
I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance.
Product: Mortgage

My second mortgage, presently being serviced by SLS, is only in the name of my late husband, who died in XX/XX/XXXX. However, I signed the note, am on the deed, and have been making payments. I have been requesting a payoff for almost a month, since I have some life insurance proceeds to pay off this second mortgage. Today ( XX/XX/XXXX ), I spoke to a representative, who confirmed that I have provided them with my husband 's death certificate, letters testamentary from the county surrogate, and a copy of the deed evidencing my interest in the property, which is all that they need to change over the account into my name. However, he then told me that the company, by law, has until XX/XX/XXXX to change the account into my name, and issue a payoff and that I should wait until then to pay it off. I am a lawyer who practices in the real estate/estate administration field and have never heard of this. Is there anything that I can do to force them to issue a payoff sooner? I am concerned about just sending them an approximate amount, and worried about how long it may take for them to issue a discharge of the mortgage. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXXXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

My credit report is showing a major inaccuracy and it is causing me unnecessary XXXX  and stress. This error in reporting is affecting my day to day life and more importantly my ability to get a car, which I desperately need. The bureau really failed to make sure that they did their due diligence and did not check the accuracy of their information before reporting which is now taking the larget toll on me and my life.
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 for these Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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: Checking or savings account

I had a Chase business complete checking account with Chase that was closed last year by Chase. The account number was XXXX. Prior to this account closure money was fraudulently taken out of this account and sent via ACH. On XX/XX/XXXX an ACH in the amount of {$35000.00} was sent to XXXX XXXX XXXX to their Chase account number XXXX. The Transaction ID is XXXX. This was a fraudulent transaction that i did not authorize. I discovered this missing money when another separate identity theft occurred against me in XX/XX/XXXX. This money was pulled from another bank account of mine into the Chase business account by someone and then sent to a scam company called XXXX partners. I filed an identity theft report with the FTC and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH fraudulently. Upon contacting Chase bank they refused to help me in any way. This money was fraudulently taken out of my account into another account with Chase bank. I have been the victim of multiple identity thefts which all began with this. Chase is more than capable of helping me recover this money but is unwilling to do so.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

ive had a checking and saving and joint account with chase they email me one day before set get my social securty check they locked me out claiming fraud i asked for proof refused to give me proof i also asked to file a appeal told me i wasnt allowed to appeal i had at time XXXX no over drafts bank has since taken XXXX for unknown bank charges my check came on XX/XX/XXXX i have no access told me will give me my check if they decide to do so its been 4 days since i ate i cant pay bills or buy food i need my check to live i went to local branch said to leave i wont get my check this is horid i need to live i cant been weak since this happen i try everyday access but no dice they said will close account but still wont give me my money they owe me XXXX my social securty check is XXXX XXXX balance in account then XXXX in another account .... all started when friends sent XXXX some cash for my bday.. before i touched it i called chase bank 3 times to make sure it was real they said was posted and was valid money said to use it... i did this happens no fraud was ever done .... XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX