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

M

y account with XXXX XXXX was never late! I have had exceptional payment history with ALLY FINANCIAL and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries on my credit report that I didnt approve or authorize
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; 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

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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  Balance {$1700.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

To Whom It May Concern, I am writing to lodge a formal complaint against Discover Bank and their collection agency, XXXX and XXXX XXXX, for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their handling of an alleged debt. 

Description of the Incident : The sole correspondence I received regarding the alleged debt was from XXXX and XXXX XXXX, representing Discover Bank. This initial contact occurred on XX/XX/2023. Subsequently, I sent a written request for debt validation to XXXX and XXXX XXXX within the required XXXX period, as outlined by the FDCPA. This request was dispatched on XX/XX/2023 via certified mail. A copy of this letter is included in the attachments for your reference. 

Violation of FDCPA : Under the FDCPA, collection activities must be suspended upon receiving a written request for debt validation until the debt is confirmed ( 15 U.S.C. 1692g ( b ) ). However, neither Discover Bank nor XXXX and XXXX XXXX has acknowledged my request or provided the necessary validation, yet they continue with their collection efforts. This behavior is a clear violation of the FDCPA. 

Violation of FCRA : The FCRA mandates accurate credit reporting. The continuation of reporting this unverified debt by Discover Bank could potentially be erroneous, adversely affecting my credit score and report. This situation may constitute a violation of the FCRA 's requirements for accurate and fair credit reporting.

Request for CFPB Intervention : I respectfully urge the CFPB to investigate these potential violations. The ongoing collection activities and credit reporting, despite my unacknowledged request for debt validation, are concerning and may negatively impact my financial health. 

Attachments : Enclosed are copies of the correspondence from XXXX and XXXX XXXX, my written request for debt validation ( refer to the attached letter sent to XXXX and XXXX XXXX ), and any other pertinent documents. 

Conclusion : I seek the CFPB 's assistance in resolving this matter and ensuring my rights under the FDCPA and FCRA are protected. I am available to provide further information as needed for your investigation. 

Thank you for addressing this important issue. I look forward to your prompt response and a favorable resolution.
Product: Student loan

My student loans were discharged in my XXXX XXXX XXXXXXXX in XXXX. The student loan companies kept forcing me to pay. I didnt reaffirm my debt. I have paid off a couple of them because I was afraid they would ruin my credit again after the bankruptcy. Im still paying and expected to pay after the XXXX freeze
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. Despite previous dispute attempts, incorrect data remains on my report, violating my rights under the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to correct disputed inaccuracies and engaging in unfair reporting practices. The same issues highlighted in that lawsuit are affecting my credit report. 



The following items on my credit report are inaccurate and must be corrected immediately : XXXX XXXX currently in active litigation and multiple accounts that are past the 7 yr reporting mark.

Additionally, I have identified expired accounts that exceed the seven-year reporting limit under 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act. These accounts must be removed immediately, as they violate federal law and should no longer appear on my credit report. 



Furthermore, my report contains accounts that are currently in litigation. Under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act, it is unlawful for Experian or any reporting agency to include accounts in active litigation. By continuing to report these accounts, Experian is in direct violation of federal consumer protection laws. These accounts must be Under the FCRA, you are required to investigate and correct any inaccuracies within 30days If these errors are not corrected, I am prepared to escalate this matter to the CFPB and seek legal remedies for Experian 's failure to comply with consumer protection laws. Please provide a written confirmation once the disputed information has been corrected or removed. 



I appreciate your prompt attention to this matter. You may contact me at the information provided above should you require further clarification. 



Sincerely, XXXX XXXX
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

XXXX XXXX XXXX  calls me every single day. They are very rude and threatening when they call. In XX/XX/year>, I spoke with XXXX in regards to my payment to them not clearing. They claim they are on behalf of XXXX XXXX Credit Fresh . Although, I took out an online loan with Credit Fresh, Im not sure XXXX XXXX is a credible company. Ive searched and searched online to get information about them and it seems as though they are a scam. I simply asked them to send me an email with documentation showing who they are and my payment schedule. I gave them XXXX emails, XXXX of which are work emails, and they never sent anything. While on the phone with XXXX and waiting for an email to come through, I asked where his company was located, and he started getting irritated. I asked him if he ever googled his company to know that they are nowhere to be found online. He said, Why would I do that, its not my company. To which I replied, so you dont work there? He then told me I was a belligerent XXXX. Today, XX/XX/year>, I received yet another phone call, this time from XXXX XXXX at XXXX. She acted like I never had a discussion with them yesterday in regards to this. I again told her I wanted an email sent to me. This time I gave her my new work email again and nothing came through. She called back an hour later and I gave her my personal email and they sent over a generic letter that looks fraudulent. I will not unblock them from my bank until I know this is not a scam.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by Equifax. I assert that Equifax is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to the bureaus because I have inaccurate items on my credit. My husband and I have yet to hear anything back and we really need these items fixed. I have attached the letters we sent that are the most recent but there have been more. Please fix accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions 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. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different. 

Accounts - XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

In late XXXX, my father died. He had multiple accounts and CDs with Capitol One Bank. Many of the accounts were jointly held with my mother with right of survivorship, but some only had her or I listed as the beneficiaries. She is in a long-term care facility suffering from XXXX, and with my father 's death, I have power of attorney over her financial affairs. 

After multiple contacts and providing the power of attorney, letters from her doctor regarding her condition and his death certificate, Capitol One Banking could handle transferring the joint accounts over to my mother and set up my power of attorney so that I could pay for her care. This experience was frustratingly time intensive but not any different than dealing with other banking institutions with whom I had to go through this same process. 

But the Capitol One Bank Estate Department has been impossible to work with to obtain the funds my father listed us as beneficiaries upon. You can not reach the department by phone, nor can the banking customer service representatives at Cap One. The banking department keeps sending additional requests for the same documents I have already sent them. I have filed multiple forms for them. They refuse to transfer the funds to her other Cap One accounts, even though it's the same institution. Instead they keep insisting that they need to send out hard checks to the addresses on record ( despite the risk of large checks going through the mail to my parents ' house where neither of my parents is obviously able to receive them ). But even when I accept this risk and ask them to process the checks, they repeatedly keep saying the checks are coming and extending the length of time they need to process the checks. 

I provided them all the documentation and requested that they accomplish this on XX/XX/XXXX. As of today, they are telling me that they need another 7-10 days and that I need to again submit the same documents I have previously sent them. When I call the banking customer service representatives they are sympathetic, acknowledge that I am designated as POA on my mother 's banking accounts, but are powerless to provide any relief or even to directly contact anyone in the Bank Estate Department. This is particularly troubling as I need access to my father 's accounts to continue paying for my mother 's medical expenses. 

Please investigate Capitol One 's Bank Estate Operations Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXXXXXX XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
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. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  : # 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 an 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 or 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

Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files immediately. Even though, my account is frozen, XXXX recently listed this account on my credit report without my knowledge. 
I provided a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to XXXX that are the result of identity theft. I also provided a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. In addition, I provided a copy of documentation pertaining to the Data Breach and XXXX completed Affidavit, along with a police report.

The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information was provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

I suggested that they investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

I've not received any type of documentation of report of their findings. Also, all the these fraudulent charges are still on my credit report. 
Date : XXXX XXXX XX/XX/2023 Amount : XXXX ( there are 12 accounts adding up to {$4000.00} ) Company : XXXX
Product: Student loan

I had a student loan 30 years ago for XXXX I paid most of it off. I contacted Fed. Loan to inquire about it. They could not find one with my name and social. 
Finally they found it and stated that it went up to XXXX. I set up a payment plan and had them to automatically withdraw it from my account. I never missed a payment. They reported a 90 day late payment and it went up to XXXX in two months. This is wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX Credit card with