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

Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX XXXX {$9400.00} XXXX XXXX ( Original Creditor : 06 XXXX ) {$110.00}
Product: Money transfer, virtual currency, or money service

Im writing to report concerns regarding Zelle handling of disputes particularly the recent CFPB lawsuit. The CFPB findings indicate that Zelle has not only neglected to protect confidential information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. this has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove the account from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

Unauthorized transaction on my account from an XXXX purchase caused a {$4000.00} charge on my account to which I opened a case and Chase denied it.

They showed documentation that a package was ordered to my place of residence but I never received nor ordered package.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 payment reported in ( MONTHS REPORTING 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 XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Owed : {$3500.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX BANK XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been the victim of identity theft and someone has used my information illegally without my permission or knowledge. Please help me this has really taken a toll on my family and now we can not buy a home because they destroyed my credit.
Product: Money transfer, virtual currency, or money service

I have been referred to square for a POS system. It was fine for a while until I actually started to have money coming in. Right before the year was over in 2023 I had a customer spend over XXXX in XXXX month. For some odd reason they couldnt or would process a XXXX charge, so we separated it into a few payments. Due to that they made me jump through hoops to even collect the money. I couldnt cash out for weeks or days sometimes. So I guess on XXXX of my final transactions which was lower than any of the other transactions put my account under high risk. Due to this I was unable to cash out my money since XX/XX/year>2023. Almost 6 months later XXXX just sits in a wallet I can never access that just says pending deposit and changes the deposit date everyday. Im just tired of the run around of this company because when your account is flagged high risk they wont even talk to you. You cant even get a valid response as to why they cant deposit my money even though they flagged my account. Even if I cant use them moving forward in at least owed the money thats owed to me. They should have never let me make purchases and give out products if this is how they run business. I was unable to continue my life or even maintain the business I had due to the fact I have money that can change my life that I cant touch. Im really frustrated at this point and I dont know who to turn to because all they can do is just deposit my money into my account.
Product: Credit reporting or other personal consumer reports

American Express closed my consumer account. The Creditor confirmed the debt has been canceled and any negative remarks removed. Please remove account from my credit report immediately. This poses an identity issue for me. I was apart of a data breach recently with XXXX.
Product: Debt collection

I have been calling for months to get this taken care of and have been told u have received the proper paperwork for my bankruptcy and it will be " made right '' in 6 to 8 weeks and that never happens!
Product: Debt collection

I received a notification on Saturday XXXX XXXX that my XXXX credit score dropped 70 points because of a medical collection was added to my XXXX   credit report. The collection was from Concentric Receivables Management for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted Concentric Receivables by phone on monday XX/XX/2019 morning at XXXX XXXX CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. Concentric still has not sent the deletion letter, and they will not return my emails or phone calls. I than called XXXX  and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at XXXX, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both XXXX  and Concentric Receivables are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Letter Regarding Unauthorized Credit Reporting Violation of FCRA and New Jersey Identity Theft Laws Dear PENTAGON FCU, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New Jersey identity theft laws, particularly New Jersey Statutes Title 2C:21-17. 

It has come to my attention that PENTAGON FCU has engaged in unauthorized reporting to my credit report without first obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New Jersey state law, specifically New Jersey Statutes Title 2C:21-17, underscores the severity of unauthorized access and misuse of personal information, particularly in cases of identity theft and fraud.

I wish to assert unequivocally that I have not provided consent for PENTAGON FCU to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a disregard for federal and state laws.

I demand that PENTAGON FCU immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New Jersey identity theft laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including New Jersey identity theft laws.

It is imperative to understand that obtaining consent is not optional but a legal obligation under the FCRA and New Jersey identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and detrimental credit reporting practices.

I expect your immediate attention to this matter and anticipate that PENTAGON FCU will promptly rectify these violations, demonstrating respect for my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered a fraudulent account that I did not open. This unauthorized account is negatively impacting my credit and hindering my ability to obtain financing for my dream home. I am requesting the immediate removal of this fraudulent account from my credit report.
Product: Debt collection

1. I had a check returned to XXXX XXXX XXXX XXXX, even though I did have overdraft protection, my bank did not cover. 
2. I received a notice from Universal Recovery Corp. which I signed for on XX/XX/XXXX. 
3. Due to upcoming holiday I did not call right away, that day. I DID in fact call on XX/XX/XXXX, ( which I have call record from my cell provider proving I called the company, left message as the person handling my account was not there. 
4. XX/XX/XXXX, I received a call from the Universal Recovery, which I answered and was happy they finally returned my call, I was prepared to set up arrangements to take care of debt. 
5. I was told that I now owe {$640.00}. I asked for a supervisor and got XXXX XXXX. This person told me, I NEVER called on the XXXX date, or she would have called within 24hrs. She harassed me, laughed at me, asked if I made arrangements for the food I ate, and I was being ridiculous if I thought she would ever make arrangements. I was never told what the {$640.00} was for, and I stated I was trying to make arrangements for the total on the letter. 
6. I was contacted before 30 days was up, I was upset that she made fun of me for being in a hardship, even knowing I had recently had a XXXX XXXX. She said she had no sympathy or empathy for someone who wrote a bad check. I asked for a supervisor, she laughed and said she was the majority share holder of the company and I could not speak with anyone else. 
7. I felt harassed, embarrassed, bullied, made fun of, put down because I dont have the money she was wanting. 
8. I spoke with the store that the check was returned to, he stated they are in agreement with the collection agency for a fee of {$25.00}, not {$640.00}, and was unaware that this company was harassing their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. 






The CORRECT Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I sent a certified letter to HUNTER WARFIELD on XX/XX/2018 and they failed to respond back within the ( 30 ) day time frame for the 2nd time. HUNTER WARFIELD also continues to violate my consumer rights by deliberately refusing to comply with federal and state law according to FCRA and FDCPA. Therefore, I believe their actions are discriminatory ; due to the fact, this item has been DELETED, RE-INSERTED BACK ONTO MY CREDIT REPORT, REDACTED and RE-AGED in the attempt to collect on an alleged account that they failed to VALIDATE on approximately ( 5 ) occasions according to FDCPA-Validation of Debts 15 U.S.C. 1692g. More so, it is against the law for HUNTER WARFIELD INC to continue reporting a disputed account to the credit bureau ( s ) ; nevertheless, trying to collect on an alleged debt without VALIDATING it first. Also HUNTER WARFIELD INC violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Since HUNTER WARFIELD refusal to respond to my request for validation and their noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act, the Uniform Commercial Code and the FDCPA. ; due to fact, HUNTER WARFIELD INC fail to meet the legal requirements by law. Also, HUNTER WARFIELD is still adding interest on a close account which also violates the FCRA and the FDCPA. Furthermore, I do not believe that HUNTER WARFIELD is licensed to conduct business in my state etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that consumer reporting agencies have received my nonpublic personal information from NFCU fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom NFCU has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies NFCU have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. NFCU furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe NFCU is criminal enterprise involved in conspiracies to cause restraint of commerce.
Product: Credit card

I have been a XXXX XXXX XXXX' member with Amazon for a number of years and applied and received an Amazon CC through Synchrony bank. I have noticed that when I have used the Amazon CC to pay for a product and subsequently returned that item to Amazon and requested that my original payment form be credited, that instead of crediting the Synchrony CC account, Amazon instead issues a credit that can be applied to future purchases. 

While they do honor this credit, until I do use the credit for a purchase, I have essentially given Amazon ( a multi-national, multi-billion dollar company ) a de facto interest free loan. Not only that, if I carry a balance from month to month, I would have been paying interest on a loan that I was forced to give to a multi-billion dollar corporation. 

While I have filed a singular complaint, there are probably millions of people that experience the same without giving it a second thought. I would think that this type of transaction is unethical and I can not think of a scenario where it would be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and XXXX has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.