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

Wellsfargo is reporting a 30 day late inXX/XX/XXXX2017 but the theirXX/XX/XXXX statement and my Wells Fargo branch manager prove I was not late that month. After disputing and calling no nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX. I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed a new copy of my credit report and Equifax is reporting public record tax lien XXXX on my credit report. This tax lien does not belong to me. This public record has never appeared on my credit report. I am already upset and bothered that my personal information was compromised due to the recent Equfiax breach. Now it seems that Equifax is in the habit of reporting public records that do not belong to me and these erroneous accounts are hurting my credit scores. 

According to the new rule set forth as of XXXX XXXX, 2017, all public records/tax liens must show verifying information. This tax lien XXXX does not belong to me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : 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, DEPTEDXXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXX, DEPTEDXXXX open XXXX XXXX, DEPTEDXXXX open XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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  Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data.

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Debt collection

I have received numerous call from this company/number about a relatives debt. My name is not on the debt nor do I have anything to do with it. 

I have records and pictures of calls as well as threatening voice mail messages on : XXXX XXXX XXXX EST XXXX XXXXXXXX XXXX EST XX/XX/30 XXXX XXXX EST XX/XX/30 XXXX XXXX EST I spoke with them on numerous occasions and they said they would remove my name from their call list and they have not. They are now threatening me to get an attorney, calling my relatives about this debt, which again it is not my debt, it is my brothers debt and I have no contact with him. 

I want it to stop and they are not stopping and they are now threatening me for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each on XXXX these creditors as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX and I have attached my letters and the FTC report that was forwarded to the creditor/ Debt collection company. Please block and remove the accounts as they are fraudulent
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither collected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ; m writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXXXXXX ; XXXX alarming to have to go through these things, and the implications for me are profound. 
As outlined in 15 U.S. Code 1681c-2 ( a ) ( b ), your agency has a really important duty UNDER FEDERAL LAW to block information stemming from a identity theft scenario. The requirements are unambiguous : 1. The provision of a valid identity proof of the consumer.

2. A duly filled identity theft report.

3. The identification of questionable entries by the consumer.

4. A declaration from the consumer dissociating them from any transactions related to the said entries.

Further, subsection ( b ) details your responsibilities in terms of swift communication to the entities who furnished the questionable information.

To reiterate, in accordance with FCRA 605B, XXXX XXXX XXXX XXXX  ; ve furnished all necessary documents, reports, and statements to your financial institution. Now, it & # XXXX ; XXXX your turn to act, and it is long over due. I expect, and the law mandates, that you provide me with evidence of your proactive steps in this matter, including informing relevant parties and placing a block on the questioned information. 
Your inadvertent oversight has already dealt a heavy blow to my financial reputation, causing personal distress and consequential roadblocks in my endeavors. Such transgressions can not be taken lightly, and I urge you to redress this situation without further ado. Failing to act judiciously may leave me with no choice but to seek legal recourse. 
XXXX XXXX XXXX XXXX  ; XXXX paramount to recognize that while your organization wields profound influence over consumers & # XXXX ; lives, this power comes with great responsibility. Our birth certificates and the information they contain, our very identities, should be sacrosanct. 
I await your prompt attention to this pressing matter, but I am not finished.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FCRA XXXX  ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, WA XXXX 2. XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. XXXX  XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 5. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX FL. ) XXXX, DE. XXXX 7. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 9. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdFL ) XXXX, DE XXXX 10. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) XXXX, DE XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFl ) XXXX, DE. XXXX 12. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdFL ) ) XXXX, DE XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX fl ) XXXX, DE XXXX
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. 

To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX  XXXX ( Original Creditor : T-MOBILE ) XXXX Balance : {$570.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$900.00} ; XXXX  XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from XXXX XXXX XXXX Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses 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 Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 have a big situation and i really hope that you can please help me. I went into Citi Bank to open up a checking account on XXXX at the XXXX Illinois location to deposit a large amount of checks that I have received on my wedding day XXXX in the total amount of {$28000.00}. The bank teller asked me if the name " XXXX '' on the checks were my nickname and I said yes. she told me to just go ahead and sign the back of the checks and I shouldn't have a problem. I also had my husband sign the back of the checks as well with the checks that have his name on them. I had received my debit card in the mail XXXX  days later on XXXX. When I called to activate and access the account, a representative told me that my account is blocked and transferred me to the fraud department. they told me that my account is being closed due to " third party checks '' and they don't allow that but those checks were made to " ME ''. I am XXXX, they are not third party checks. XXXX and XXXX are the exact same person. XXXX is my XXXX name. I use that with friends and family and also for work. They said they are not going to send me back the funds because they can not verify who I am, but those funds were all deposited into the checking account and I have confirmed with all the guests that have written me those checks and they told me that their checks have ALL indeed been taken out of their account and deposited. Please, I am begging you to give me back all the wedding money that I had received. I have every single wedding card with the guests names on them, my wedding website, my marriage license, my wedding contract, all the documents to prove that the wedding took place on XXXX and the check date matches the wedding date. I am who I say I am and I don't understand why the bank teller who had helped me at the XXXX location would tell me that it was ok for me to deposit these checks. they should've known better and I am in such a state of anxiety and sadness that this is happening to me. Please help me. I really need the funds back. I hope to hear back from you.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy and multiple negative accounts that appear on my credit file. The bankruptcy courts confirmed to me that they do not validate or verify any bankruptcies or information related to bankruptcies to any credit bureaus. This appearing on my profile is also a result of identity theft. I asked the CRA to remove this information and they said they verified it with the courts. How is that possible if the courts don't verify bankruptcies? This means the CRA is lying and this information is unverifiable and by law must be deleted. I am having trouble obtaining housing and employment due to the damages on my report and my reputation. There are also multiple negative accounts that need to be removed. The CRA is also violating multiple FCRA laws such as follows -15 USC 1681 is a section of the United States Code that outlines the rules for consumer reporting agencies. Specifically, it states that 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.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

-Rule 9037 of the Federal Rules of Bankruptcy Procedure is a privacy protection rule -15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

- ( a ) Block Except as otherwise provided in this section, 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 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 by the consumer.
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.