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

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Some of the mentioned accounts contain inaccuracies in terms of reporting, incorrect amounts, and dates.
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: Debt collection

No contract with this company or its people they claim i owe the debt to.
Product: Credit reporting or other personal consumer reports

Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( XXXX, TransUnion XXXX XXXX ) are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX I missed a payment on my Capital One credit card due to insufficient funds. I had been on XXXX  XXXX and my claim was delayed due to the XXXX  clerical error. While my claim was still in process I went back to work and was shortly let go after a week. I then filed for unemployment. 
On XXXX occasions I attempted to make my payment with a XXXX card, which I was allowed to load in the app as a payment option. Both of those payments were rejected because it is a " non-transactional account '' which I never understood until now and am still not sure the meaning of. Capital One made no effort to inform me of the nature of the issue. I have since caught up with payments from my Credit Union, only to find out that the " non-transactional account '' issue caused me to be suddenly dropped without warning or recourse. I belive this to be a violation of the Consumer Protection Act as I was on state assitance at the time of the attemped payments and I was making a good faith effort to bring my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of XXXX XXXX  I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX : {$300.00} ; XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$760.00} ; XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXXXXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original Creditor : 09 XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$660.00}.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file.

This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXXXXXX XXXX XXXX ( Case Number : XXXX XXXX XXXX XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting.

In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX Date Opened : XX/XX/2024 Balance Owed : {$1800.00} XXXX. XXXX Accoun number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXX XXXX XXXX documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX XXXX  ). 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX ( also known as XXXX XXXX )/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus XXXX XXXX XXXX XXXX XXXXXXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

PORTFOLIO RECOVERY continues to report inaccurate and false information to the credit bureaus despite multiple attempts to get them to stop. My rights under the FCRA are being violated as they continue to report inaccurate information. As a company that reports to the credit bureaus, they are required to adhere to a transparent and verifiable validation process that aligns with the stringent XXXX XXXX formatting standards. Any divergence or disregard from these protocols raises serious doubts about the precision and lawfulness of the information being disclosed. I request that they eliminate or rectify any verified details linked to the below mentioned allegations from their records, and expeditiously resolve this matter by removing this item from my credit report. I have outlined all of the violations and inaccuracies that they are reporting on my credit report. Some of the information that is being reported across the different credit bureaus does not even match, so how can that be confirmed as accurate when they are reporting information about the same account to multiple credit reporting agencies, and the information does not match and if different at each bureau, such as Account Status, Date Opened, Last Reported, and Date Last Active. Please see the attached report. At this point, the accuracy of what they are reporting can not be ensured due to the multiple discrepancies. This account needs to be deleted as it violates the FCRA and my rights to an accurate credit report.
Product: Credit reporting or other personal consumer reports

I disputed this old account to be removed from my credit report with TransUnion. As this company I had a loan with in 2020 and paid it off in 2020. It is showing as a late payment. Again this is not fairness and accuracy in reporting. This is an old debt that is not representing me as the present day consumer. 
TransUnion knows this is violating the FCRA and FDCPA, and is not willing to remove it. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit card

When I opened my account with Discover, I was fairly new to the USA after moving from the XXXX, as such they requested additional information to request information from the IRS, I provided this information and signed a docusign document, to enable them to request this information. 

On XX/XX/XXXXthey emailed saying they were unable to complete the verification, I called them and they said they didnt receive the info back from IRS in time, and they resent the verification documents needed. I completed as requested and heard nothing back. Assumed all was good. 

On XX/XX/XXXX, I went to use my credit card at XXXX XXXX Airport, and in front of many other people, my card was declined. Embarrassing for sure, I called discover who claimed they made a business decision as they couldnt verify my information with the IRS. They claimed I should have received an email informing me. Which I then received at XXXX on that night. 

When I arrived back from my trip, I received a letter from the IRS setting a request for my information had been declined since discover had filled the form out incorrectly Discover then reported this closure to the credit records and now it looks like I have 150 % credit utilization, making it impossible for me to open an account with a reputable company. 

Im still so new to the USA that my credit history is limited, and now theyve ruined it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted letters to several agencies ( specifically XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX ) to enact my right to protect my financial information and no longer share my information, balances or payments on my report. I further requested that Equifax, XXXX and XXXX, being consumer reporting agencies, remove my financial information as well as per my right backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked as per the letter sent in XXXX XXXX XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consume 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have opted out of ALL reporting agencies services
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the the inaccurate inquiry on my Credit Report and upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXXXXX XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was 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 information relating to any transaction by the consumer. 
XXXX / XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$89.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have contacted Affirm to let them know that I never opened an account with them, I submitted a police report as well, about two years ago, I'm tired of it being a negative blemish on my credit file, they say I owe them for two separate charges, one for {$200.00} and another for {$200.00} dollars, this debt doesn't belong to me and they refuse to remove it. account open date XX/XX/2018 for the {$200.00} dollars debt and XX/XX/2018 for the {$200.00} dollar debt.
Product: Mortgage

! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments. 
All payments have been made on time until HSBC started a forced placed insurance. 

2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX. 

As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected. 
The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus. 
This caused that my credit score dropped significantly and damaged my credit history substantially. 
The false information has been corrected. 
HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).
Product: Credit reporting or other personal consumer reports

XXXX hard inquiries made on my credit by Capital One XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ) that were not done by me. Reached out to XXXX XXXX fraud department on XX/XX/XXXX, but was unable to resolve because no actual account was opened. Explained to representative that my credit was effect and its still showing on my credit which they understood but were unable to assist.
Product: Credit card or prepaid card

I received a prepaid Visa  card from XXXX XXXX XXXX as part of a rebate offer for the purchase of contact lenses. The card amount was {$130.00}. The lenses were purchased in XX/XX/2018, and I believe I received the card within a few weeks of submitting my request through their website. The card came with an expiration date of XX/XX/18. I failed to activate the card before the expiration date. Two weeks ago, I started trying to contact XXXX XXXX XXXX to get them to reissue the card. Per the fee schedule listed on the letter that the card came with, my hope was that they would issue a new card with a total amount of {$110.00} ( original value of card, minus the {$6.00} plastic replacement fee and $ XXXX/month card account maintenance fee ). However, when I called the customer service number on the back of the card ( XXXX ), and finally was able to speak with someone ( it took me two times of navigating through their answering system ), they informed me that I needed to call XXXX because they were not responsible for that card. When I called that number, I was told they also did not deal with these card issues and that I needed to call the number on the back of the card ( ie the first number I called ). I next called the customer service number for the issuing bank XXXX ( XXXX ). It took me two separate calls to reach a person who could speak with me. That individual informed me that I needed to call Black Hawk at XXXX. When I called this line, the automated answering service provided no options for addressing my issue. I entered my card number when prompted, and the service stated that there was no information for my card. In reviewing XXXX XXXX XXXX and Black Hawk online, I found multiple complaints from other individuals about having difficultly retrieving their rebate funds, activating their cards and/or using their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed some unknown/ unverified accounts that was deleted around the month of XXXX that just was reinserted on today. I was not notified of LVNV FUNDING LLC reinsertion and this is a violation. This account is not mines and it have been reinserted on my credit file and I would like for it to be deleted immediately.
Product: Debt collection

Hello this is XXXX XXXX, I had sent you a complaint for a debt of a apt I do not own, you said you needed more information, I'f you can contact me at XXXX. I would also like to notify you that my XXXX XXXX of XXXX is XXXX .agen I was victim of identity theft I sent proof on my last complaint. Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. GM FINANCIAL is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from GM FINANCIAL or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.