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

Dear Sir/Madam, I am writing to file a complaint against Experian, one of the three major credit bureaus. I recently noticed a significant drop in my credit score as reported by Experian. An alert regarding a derogatory remark was triggered, however, despite a thorough review of my credit report, I am unable to identify any late payment or other negative factors that would justify such a drop. Furthermore, I haven't found any information that would substantiate this derogatory remark. I believe there is a discrepancy between my credit report and the score provided by Experian.

Despite multiple attempts to clarify and rectify this issue directly with Experian, I have not been able to obtain a satisfactory resolution. The situation is particularly concerning as it adversely impacts my creditworthiness and potentially affects my financial future. I understand under the Fair Credit Reporting Act, I have the right to dispute inaccurate information and Experian is obligated to investigate the items in question. I believe Experian has not fulfilled their obligations in this regard. I kindly request the intervention of the Consumer Financial Protection Bureau to aid in resolving this matter. 

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 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 information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/XXXX.
Product: Credit card

Its for accounts ending XXXX and XXXX for now. First I sent a negotiable instrument to the address they have on their credit agreement for negotiable instruments and instead of processing the payment they kept my negotiable instruments and never sent them back but still closed my accounts and now charged them off. And since they were charged off I should have received a warning before they did that which I didnt and that sounds like adverse action against me. 
The laws state they cant take adverse action. On top of all of that they didnt offer arbitration. 
Being a charged off account which means they took it as a loss even though they stole my negotiable instruments which means they profited off of it but didnt give me anything in return, which makes me think they are double dipping. 
Once charged off I should receive a 1099-c which I have not.

They have also been reporting payments as late which according to 15 usc 1666B no payments shall be considered late when dealing with an open ended credit as well as 15 usc 1681a 2 exclusions which states they arent supposed to report transactions and as far as Im concerned payment history is transaction history and shouldnt be reported on my account
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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seed appropriate redress for these violations.
Product: Mortgage

In 2008, My ex husband bought house on XXXX XXXX XXXX in XXXX XXXX, NY. The loan was through Bank of America. I am not on the loan. Bank of America is trying to serve me with papers about a foreclosure. I am not an owner. They are also reporting it on my credit report which is fraud. My ex husband is XXXX XXXX and he lives at XXXX XXXX XXXX. XXXX, NY XXXX. Article XXXX of my dirvorce decree states that I am discharged of any obligation with regards to XXXX XXXX XXXX. Per my divorce decree the judge 's ruling is binding. I will not accept any papers regarding anything with XXXX XXXX XXXX.
Product: Checking or savings account

My Dad passed away in XX/XX/2016, He was XXXXyrs old in a XXXX XXXX.while there he asked me to have a lawyer to come there in order to do his will which I did but during the process he went into a XXXX   and died. I notified his bank ( Citibank ) and sent them a copy of his death certificate.to customer services in XXXX XXXX Tx. They in turn told me I had to contact the branch where he had his account which is in XXXX. The manager said I had to go to Probate court for an affidavit which I did and had it notarized. After waiting over 1 month for a response to hear from them, I called and was told that I have to get a different form and come into their bank. I explained I am a senior citizen don't travel much anymore and there is no Citibank here in Ga. Or send the samr documents back to XXXX XXXX Tx . They have been giving me the urn around for over 2 yrs. My Dad '' s name was XXXX XXXX.This affidavit which was given to me from the Probate court states that the institution to pay the amount of the said deposit up to {$10000.00}, my Dad has {$5400.00} in the account.
Product: Debt collection

Debt collector has been presented with an incorrect amount by XXXX and they refuse to acknowledge the amount I am disputing. They have been extremely upsetting and threatening. I asked for them to validate the breakdown on the amount and they have refused. They have a wrong amount and I am willing to settle for XXXX less than what they are requesting. I have attempted to take care of this matter and they continue to harass me.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. XXXX Please remove the following inaccurate address from my credit report : XXXX IL, XXXX XXXX XXXX XXXX # XXXX You did not con XXXX XXXX XXXX # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately. 

XXXX XXXX. XXXX is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information
Product: Debt collection

Received a call about a debt from 2007. The company threatened to place negative information on my credit reports unless I pay them. This debt was settled with the creditor ( XXXX XXXX ) years ago. Under Tennessee and Texas statutes of limitations on debt collection Dynamic Recovery Solutions does not have the right to collect.
Product: Debt collection

I was sent a Wage Deduction Notice from a Law Firm named Blitz and Gaines, P.C. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a XXXX XXXX Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from XXXX  XXXX customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other XXXX XXXX account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. XXXX XXXX is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I woke up on XX/XX/XXXX to a total of 233 separate emails regarding credit applications, installment loan applications all in all XX/XX/XXXX is when inquires begin but I did n't realize it then. On XX/XX/XXXX and XX/XX/XXXX at my last count XXXX hard inquiries were made and XXXX soft inquiries were done. I have not been able to to view all three credit reports again to see if more are coming. I tried to get on my credit report on Equifax first but die to a cyber insodent it was alarted to get a XXXX premier account. Then got 36 and still counting alarts of activities. I called XXXX first and had my credit fraud alerted. I am in the process of of faud claim with them and XXXX. XXXX said more then likely after a investigation those 50 plus inquires made overnight would be removed from my credit report as to not impact my credit score I have recently worked hard to build. However even after being not able to log on to Equifax due to the being effected by the cyber incident I was told they would n't be removed. All I could do was a fraud alert and a credit freeze. This is a devastatin blow as within the last nine months I have gone from very poor credit to gaining two auto loans and 5 lines of credit. It is very clear this was done with not as a typical consumer would do. I am even thinking I may change my email as I am being overwhelmed with credit offers, turn downs, and junk from anything that 's connected with my email link to credit bureaus. I do n't know how or exactly when this started but there has to more I can do then just a fraud report. This is my credit involved, my personal info, my employment, and worst of all impacts my financial situation when I 've been doing all I 'm supposed to to better it. I was just getting two steps ahead. Now my credit score dropped, my credit is froze, and I see no end to this mess in sight. I have worked hard for Equifax. I thought it would work just as hard for me.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had some fraud on my account in the beginning of XX/XX/XXXX. I got tricked into sending over about {$550.00}. I call and tell them about the fraud and everything that happened. They immediately closed my account and didnt warn me. I didnt have access to get money out so I had {$0.00}. Ive been struggling on payments since. Its been over a month and I call and call. All they say is I have to wait XXXX days for my money. I had XXXX direct deposits go into the account even after switching banks. And I told them how I need it and they proceed to tell me there is nothing I could do but wait. Its been a month I NEED my money. This is crazy to me.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus several times and requested removal and deletion of these accounts and they have not. 
I am writing to formally request that the following accounts be blocked and permanently deleted from my credit report, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The accounts in question are : XXXX XXXX {$1400.00} XXXX, Account # XXXX {$2900.00} XXXX, Account # XXXX {$640.00} XX/XX/XXXXXXXX Bank, Account # XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX New Jersey- XXXX XXXX XXXX Chapter XXXX Bankruptcy/Discharged XXXX XXXX New Jersey- Docket # XXXX XXXX XXXX Bankruptcy/ dismissedXX/XX/XXXX( Bank ) Inquiry XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX In accordance with the Fair Credit Reporting Act : 15 U.S.C. 1681, Section 602 ( a ) This section ensures my right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) This section prohibits any consumer reporting agency from furnishing accounts without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include any adverse information, except records of criminal convictions, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) This section states that no person may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. 

The listed accounts have violated these provisions, infringing upon my rights to privacy and confidentiality. I am formally requesting that these accounts be blocked and permanently removed from my credit report in accordance with the law. 

Please confirm the deletion of these accounts in writing. Should you require any further information to expedite this process, feel free to contact me directly. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Amerihome mortgage Co. Serviced my XXXX XXXX XXXX. I applied for and entered XXXX firebearance from XX/XX/XXXX until XX/XX/XXXX. In the middle of this, they transferred my loan to XXXX as the new servicer. I attempted to make my first normal mortgage payment and defer the forebearance amount to the end of the loan after the XXXX  forbearance and was told my MrCooper that this is not an option and I must apply for a complete loan modification. They refused to let me defer. I was told that according to the paperwork they received from Amerihome Mortgage, I was in a disaster forebearance. I have screenshot on my my phone when I made the decision to enter XXXX  forbearance that stated I have the option of deferring my forbearance total to the end of the loan and continue making my normal monthly payments once my XXXX  firebearance ended. XXXX and Amerihone are not following the XXXX hardship rules! Thank you.
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 address and prevent fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit card or prepaid card

I made a complaint below to chase bank credit card services to dispute charges from XXXX and to my dismay I got a call from a chase outsourced facility and a XXXX lady had a heavy accent and not sure if she understand my complaint at all. Chase card is boasting Sapphire customers dont have to worry about unnecessary charges during travel and this is indeed a service charge due to system malfunctioning. 
I made a reservation through XXXX web site from XXXX XXXX to XXXX XXXX XXXX. Once I received confirmation email as per attached doc everything looks correct including my last name in the email body. 
But I was asked to pay extra {$50.00} e since XXXX web site is malfunctioning. To prove my point I reserved seat XXXX from their web site away from toilet and I got a seat close to toilet due to system malfunctioning. I was trying to sit far away from toilet and due to this system malfunction I was sitting close to toilet and had headaches throughout flight since I am allergic to smell and also couldnt sleep well at all during XXXX hour flight and got caught up with flu and had to see doctors. Their flight crew is extremely unfriendly and didnt provide me a seat away from toilet despite fact their system cancelled my original seat reservation due to malfunctioning. XXXX  were not responding to XXXX complaints at all and their XXXX ratings were F
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to provide me with a copy of my credit report as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681g ).

On [ Date of Request ], I requested a copy of my credit report from TransUnion through [ method used : online, phone, mail ]. Despite meeting all eligibility requirements and providing the necessary information, TransUnion has failed to provide my credit report or respond to my request in a timely manner. 

I have made multiple attempts to resolve this issue, including [ list any actions taken, such as calling customer service, sending a follow-up letter, or checking online status ], but I have not received my report or an adequate explanation for the delay. 

Under the FCRA, I have the right to access my credit report once every 12 months for free, and I believe TransUnion is in violation of this federal law by withholding my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report negative information that is not mine on my report that have already been removed. For example they have removed the inquiries for XXXX XXXX XXXX but refuse to remove the actual account as it is fraudulent. The negative accounts that are fraudulent need to be removed : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX # XXXX -- -Not my account.

2. XXXX XXXX XXXX/XXXX XXXX # XXXX -- -Not my account.

3. XXXX XXXX XXXX # XXXX  -- Not my account.

4. XXXX XXXX XXXX   # XXXX -- -- This account has never been paid late.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received Equifax correspondence in regards the blockage of all identifying information mentioned on FTC report with the response that Equifax won't be blocking such information since they need proof of identity, information to block ( list of account ) identified by consumer ( me ) and a complete FTC report.

This information was provided several times and Equifax refuses to block information, even though, requested documentation had been provided. 

Under Section 605B please block all identified information listed on my report. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Credit card or prepaid card

I recently requested a notarized validation and verification of debt with a wet ink signature as when I initially signed up I was unaware that the credit card was an asset backed security and believed I had made a mistake by not knowing. I explained I was the agent over the principal and believe I was due back unearned interest. This account was charged off, a taxable event to which I requested not only information about the asset backed security but also for the forms filled with the IRS and the SEC. I asked for accounting information in accordance with GAAP. I asked for a TRUE BILL along with other documentation to which I was ignored and only recieved a copy of a statement, to which I specifically told them was unacceptable. I requested a copy of their debt collection license for the state of Florida, I was ignored. I explained that if they didn't send that information I could not move forward, According to House Joint Resolution 192 I am unable to pay a debt as it is against public policy. I explained that if they did not provide the proper information I would consider the debt discharged and should be removed from my credit report immediately. Again I was ignored. Instead of providing me with the proper documentation, they took adverse action against me and placed a derogatory mark on my credit report which is unacceptable and they do not have my consent to share my personal information.
Product: Debt collection

I received today this weird mail From Cedar Business Services about a citation committed in XXXX XXXX in XXXX. A speeding ticket for apparently speeding 10 km More than tolerance level. The ticket is for {$810.00}. 
This is ridiculous. I have done no such thing. This is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian , XXXX, XXXX  didnt remove late payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.