23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX : 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. NAME : XXXX / ACCOUNT NUMBER : XXXX XXXX. NAME : XXXX XXXX XXXX NUMBER : 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 TRANSUNION 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 I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
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: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXXXXXX XXXX to see if I was still interested in a loan. They stated that I had applied for a loan about a week ago. I never applied for any loan but apparently my credit report was pulled. I'd like someone to look into this. I don't want my identity stolen.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information being reported on my credit reports with XXXX, trans union, and XXXX. I sent them various letters instructing them to remove all incorrect names, addresses, and phone numbers and they have yet to do so. Another I disputed as well is incorrect information on all of the accounts reporting such as the date last active and date last reported not matching up, also I sent letters to verify accounts which they have yet to do. Some of the accounts are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also inquiries on my report that are non account holding I disputed that I did not put on there my self
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged due to many lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXXXXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Checking or savings account

After a complaint against Wells Fargo for stealing customer '' s funds {$500.00} with transaction number XXXX on XX/XX/2019 as well as breaching agreement of promotion bonus {$1100.00}, failure to give 30 days closure notice, defrauding consumer, blocking customer transactions such as mobile deposit, internal transfer, business direct pay etc. On XX/XX/2019 Wells Fargo continue to possess customer funds {$3000.00} with transaction number XXXX business direct pay. I have contacted Wells Fargo customer service staff named XXXX ID # XXXX to report lost and stolen funds in order to cover the stolen funds immediately. However he hanged up the call even I have not completed the reporting. On XX/XX/2019 I already contacted the branch located at DC XXXX by giving a copy of promotion offer total {$1100.00} plus my accusations toward unpaid {$750.00} fraudulent checks issued by Wells Fargo. At this time, I really can not tolerate repeated stealing customer funds {$500.00} and {$3000.00} and holding customer funds {$5000.00}. Due to the banks continued blocking the business transaction and choose not to pay promotion bonus, I am asking total {$20000.00} damages because Wells Fargo caused this : bringing significant loss to customer such as {$500.00} loss and {$3000.00} loss, {$5000.00} on hold, {$750.00} fraudulent checks as well as other {$120.00}, {$140.00}, {$45.00}, {$10.00} {$200.00} happened in the past. I as consumer is asking Wells Fargo to stop playing theft yield theft trick and slander towards customer. You must pay me loss.
Product: Credit reporting or other personal consumer reports

Remove Hard Inquiries 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

I filed a dispute with Equifax regarding several erroneous collection accounts on my credit report. I sent my dispute via certified mail and received confirmation that an employee signed for it on XX/XX/2022. As of today, I have not been able to reach anyone at Equifax. There is no record of my dispute. In addition, I need these resolved in order to pass a background check for an offer of employment. This is affecting my ability to support myself and is causing a significant amount of financial strain on me. 

I would like for Equifax to remove all the collections from my credit report at this time. I have a copy of the dispute letter for all of them as well as the receipt from the certified mail, which contained my dispute.
Product: Credit card or prepaid card

The last time I used the card was in 2020, a few month ago I was notified via mail that there it was a charge and was adding late payments. I looked at the charges, and they were made in the XXXX XXXX, this was not me. I called the company back in XXXX, the lady on the phone said she will put a stop on the account, open a claim, and escalate it to the investigators. Now it seems like they are not doing business with XXXX anymore, it is hard to get a hold of some one, and the call keeps dropping. They had flag my account and have put a negative impact on my credit, I need help.
Product: Credit reporting 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. 


UNAUTHORIZED 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  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 1681c. ( a ) ( 5 ) Section States : no consumer 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.

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

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history are incorrect and inaccurate. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$190.00} ALLY FINCL XXXX Balance : {$33000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 my 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 paymen t reported in 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 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

XXXX XXXX XXXX  shows a balance that is incorrect on my credit profile. My credit account was sold to a collection company which is a violation of the fair report act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit profile. Can you review the paperwork? A few of the mentioned accounts display inaccuracies concerning reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

**Subject : Dispute of Inaccurate Late Payment Reporting on My Credit Report** **Date : XX/XX/XXXX, XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically related to the credit account **XXXX XXXX XXXX XXXX** with account number XXXX. Upon thorough review, I have identified discrepancies in the reporting, which are a violation of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

It is my understanding that under **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer ( myself ) and the party ( you ) making the report. Payment history and the associated late payments negatively affect my consumer report and are considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me, in writing, the reasonable procedures adopted by your company in compliance with **15 USC 1666b**, ensuring that my periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15. 

**Reference to PAANL ( Paid As Agreed, Never Late ) : ** The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed, Never Late '' based on the timely payments made. It is crucial that my credit report accurately reflects my financial responsibility and commitment to meeting my payment obligations. 

Therefore, I request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant information demonstrating that the payments were indeed late. In the absence of valid proof, I expect this information to be rectified promptly. 

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to meet this timeline will be considered a violation of the FCRA. 

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : Beginning in XX/XX/XXXX, I set out to pay off debts in collections. One such debt received a Judgement in XXXX XXXX. I contacted the collection agency, XXXX XXXX XXXX to set up a payment plan for $ XXXX. paid through XXXX XXXX when I received a payment in full letter. I was also required to set up a payment plan with their representing attorneys, Johnson and Mark LLC. This plan was at $ XXXX. Neither entity could tell me why I was paying them separately but I was hoping to move forward so I did. 

Following my XX/XX/XXXX payment to Johnson and Mark LLC 's payment portal I received my payment confirmation from their client ( XXXX XXXX ). On XX/XX/XXXX at XXXX, I attempted to log into my payment portal again with Johnson and Mark LLC to determine if the debt was, in fact, paid as agreed. On this date, my payment portal was marked " Inactive '' which does not allow payment. I took a photograph of the screen for my records. 

On Friday, XX/XX/XXXX I received notification from the XXXX XXXX Sheriff 's Office that Johnson and Mark LLC had received a Writ of Wage Garnishment for the balance of the alleged debt. At no point since Johnson and Mark LLC closed my payment portal in XX/XX/XXXX, did they call me and leave a message, send me a letter or email informing me that this debt was still active. Nor have they explained to me why there were two separate collections happening with their client, or why they closed my payment portal when the next payment would have been due, if I did in actuality still owe them a debt. 

Johnson and Mark LLC now refuse to acknowledge their error in debt collection practices and are planning to move forward with the unjustified wage garnishment ( which would create a hardship for my family ), despite my attempts to contact them directly to correct the situation for both parties.
Product: Debt collection

I was contacted by XXXX XXXX of ARA in XXXX/XX/XX/XXXX regarding a debt, unknown to me. I replied with a letter dated XX/XX/XXXX requesting documentation of said debt and never received further communications from ARA until XX/XX/XXXX when I believe ARA phoned my house and informed my son that they had and read to him my social security number. However, when he requested that the caller identify themselves, they refused. Today, XX/XX/XXXX, I received the same letter that I received 10 years ago, also from XXXX XXXX, insisting that I owe {$15000.00} for a debt that I do know nothing about. Ten years ago when I received this letter, I phoned XXXX XXXX ( now XXXX ) regarding the debt, which XXXX XXXX claims that I hold. At that time, they informed me that they have their own in-house debt collection, which makes XXXX XXXX 's claim highly dubious. I have requested documentation and never received it, and they are persisting in contacting me again which is a violation of the Fair Debt Collection Practices Act.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX IS SHOWING ON MY CREDIT ACCOUNT FROM 2012 AND THEY BEEN PAID, AND I STILL HAVE SERVICE WITH THEM EVEN TO THIS DAY AND HERES PROOF ITN HAS to REACH THE STATUTE OF LIMITATIONS AND NEED TO BE DELETED IMMEDIATELY
Product: Debt collection

I have never in my life had a contract with financial Data systems and they are reporting medial debt on 3 accounts in my credit and it is threatening the integrity of myself and affecting me getting approved for a home to put my family in! This is horrible please help me with this fraudulent matter
Product: Credit reporting 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer 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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the three credit bureaus.