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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORtT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




ONLINE INFORMATION SER ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry Portfolio Services is reporting two collections accounts that they re-aged to the date they began collecting on them. These accounts are 7 years past their initial date of delinquency, however Cavalry has re-aged them to have an open date and a new account number so they appear as newer bad debt.
Product: Debt collection

I am a current charter spectrum subscriber, when I signed up for the current service I told the rep there was a previous bill of {$75.00} dollars. He called into his supervisor and was told that balance had been taken care of and there was no bill to pay, now almost 2 years later I see a derogatory remark on my credit report saying I owe {$99.00} to ERC for XXXX XXXX?
Product: Mortgage

Loan originates from XXXX. In XX/XX/XXXX due to divorce I was awarded sole occupancy and exclusive use of jointly owned home with ex-spouse, at same time I was obligated to be solely responsible for all mortgage payments ( property tax included in loan, escrow account ). I jointly applied for the mortgage together with ex-spouse in XXXX, we both signed for the loan, I am on the Deed as well. 
I have since XX/XX/XXXX had issues with not recieving information, and refunds of escrow overage, regarding the loan. I requested documents such as Principal paid on property in XX/XX/XXXX - wasn't received, I requested all mailed information regarding loan to be mailed to the porperty address of the loan, was never done. I was informed it was mailed out, but only to the co-signor my ex-spouse they said the could not mail it to me. In XX/XX/XXXX I contacted TD Bankregarding the escrow account and the recalculation of taxes, and was after much struggle informed that an overage check ( {$1000.00} ) was mailed out to the ex-spous 's address, made out to us both that he cashed in. Even though I explained the entire situation and which you can clearly be seen in the payment history that I have been the only person paying the mortgage since the forementioned date. The bank again refused to help. XX/XX/XXXX I logged into to my mortgage account to discover that my mortgage payment has increased by {$260.00} / month due to insufficient funds in the escrow account. I contacted the bank immediately asking as to why I was not informed of this. They stated information had been sent out in XX/XX/XXXX. I, of course never received this information. I asked why, they said that it was sent to just the ex-spouse 's address. I contacted TD Bank via email, phone, and XXXX regarding this, and am still waiting on a call back from their escalations team. I have spoken to their escalations team in the past and nothing has ever been resolved. Why is the bank allowed to treat me so inequal to the other loaner? We are both obligated to make payments to the bank or they will go after us both. But the bank only communicates and sends refunds to one party! I have excellent payment records but am still treated unfairly by the bank and its staff. 
Contact dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Plus numerous times on their online messaging system, phone calls, as well as in person at the local branch where the mortgage originates from.
Product: Money transfer, virtual currency, or money service

i want to express my concerns regarding zelles handling of disputes particularly in light of recent cfpb lawsuit highlighting significant issues with the platform. despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. they informed me that recovering the funds was impossible and tracking these transactions was unfeasible. the cfpb finding indicate that zelle neglected to protect consumers
Product: Debt collection

I received letter dated XXXX in reference to an alleged account with XXXX XXXXk from Capital Management Services for an amount of {$780.00}. I do not recollect this account at all. I have no knowledge of Capital Management Svcs nor having I signed any agreement of repayment to this business.
Product: Vehicle loan or lease

On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly and car was wrongfully repossessed. I even explained to the company that there must be a perfected lien on the vehicle, to ensure maximum legal rights, in which I performed a UCC-11 search and found out that there was not a UCC-1 filed in the system with this company as the secured party. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, SIPC and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my CUSIP number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud and wrongful repossession.
Product: Prepaid card

On XX/XX/year>, I reached out to the CFPB for further assistance with the Cash App Claim, considering that Cash is refusing to refund my money for fraudulent charges. 

XXXX XXXX I sent this : Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance with an unresolved issue regarding a fraudulent transaction on my Cash App account. Despite repeated attempts to address this with Cash App, I have not received an adequate investigation or resolution. On XX/XX/year>, a fraudulent charge of {$350.00} was made to my account to XXXX XXXX, which I did not authorize nor initiate. I immediately reported the issue to Cash App 's customer support team, expecting a thorough investigation to be conducted. However, despite providing all necessary documentation and details, Cash App has failed to take appropriate action to investigate this transaction and has not refunded the funds. The lack of response and attention to this matter has left me frustrated and concerned about my account 's security and financial information. As a consumer, I rely on digital payment platforms like Cash App to safeguard my financial transactions, and their inability to provide proper support and resolution is unacceptable. The amount was deducted from my case app balance, not my checking account and I can not be disputed it through my banking institution. I am requesting that the CFPB take appropriate action to investigate this case and ensure that Cash App conducts a full and fair review of the fraudulent transaction, resulting in the prompt return of my {$350.00}. I have attached copies of all relevant documentation, including the transaction details, my communications with Cash App, and any other supporting materials. I trust that the CFPB will help resolve this matter promptly. Thank you for your attention to this urgent issue. 
I look forward to your response. 
Sincerely, XXXX XXXX On XX/XX/year>, I received the attached email and on XX/XX/year>, I received a letter from CFPB Cash App is failing to return my money, and now they are saying I reached out to them, which is very untrue and inaccurate. 

What actions must I take to get my money from Cash App? They also failed to provide the requested information on how they determined it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a covid forbearance plan, and all of a sudden XXXX and Anerihome reported my mortgages as past due.
Product: Credit reporting or other personal consumer reports

I asked for this company to produce the debt and they have not complied. They sent me a lease that was filled out online and proves nothing to resolve the debt. I have a signed letter from my landlord as to my residency for over a decade. I will submit it with this application to be forwarded to this company
Product: Credit card

I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the U.S., a Bank of America credit account was fraudulently opened in my name without my authorization. I have filed multiple disputes, both directly with Bank of America and through XXXX, XXXX, and XXXX, providing a police report, identity theft report, and my I-94 as proof that I was out of the country when the account was opened. Despite this, Bank of America continues to deny my requests to remove the fraudulent account.
Product: Checking or savings account

Bank of America released bank records on transactions in or around XXXX XXXX XXXX to the FBI without a warrant. This allegation was made by XXXX XXXX. As a current Bank of America depositor I am horrified by this invasion of privacy. Please investigate this situation. Financial institutions should be law abiding even if it can not be politic free.
Product: Credit card

On XXXX XXXX I went to XXXX XXXX. I got a receipt of {$52.00}, then I checked my balance card and was charged {$75.00}. I disputed the charge and called the theater company and I was told that they used {$20.00} extra on my card as a hold fund. They said, to give it two days, if it doesnt clear I need to dispute with my my bank. The two days passed and I saw that the {$20.00} was reflected off my bank card. So I paid the {$52.00} that I owed on XX/XX/XXXX. Now today, I see that they added {$52.00} that I need to REPAY. Even though paid my owed balance and was told I need to pay again because it was credit given to me that time, even though the balance was readjusted to proper amount and I paid it. I still need to pay regardless that I didnt even use it.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loam from this company, I got approved for {$920.00} it was deposited and they upped the interest I believe it was like 235 % and so instead of owing {$920.00}, I owe them little over {$5000.00} because of the interest, I asked them about it and they said that I don't need to worry about it and just worry about the {$920.00}. I have paid them little over {$3000.00} back and I just wanted to see what you guys think ; because this doesn't seem right at all to me.
Product: Credit card or prepaid card

I have several times disputed ( with American Express, aka Amex, online ) unauthorized charges for unordered items from XXXX billed to me in XX/XX/2018. These charges appeared on my American Express account, but not on my XXXX account. How could that legitimately be? 

These disputes have not been taken seriously, and in fact, the unauthorized charges were reposted to my account the very next day after the dispute was filed. By way of response, American Express reported to me that XXXX had claimed to it that I or someone in my household had ordered these unwanted items. That statement is false. Then the disputes themselves disappeared from my online American Express account, and I never heard anything more about them. 

I paid my Amex bill in full, in order to protect my credit score, but of course I still want a refund. I have the unordered items and would be happy to return them to XXXX, but they do not appear on my XXXX account, and so I have no order number for them. It turns out that ( although it is easy to return items to XXXX if one has an order number ) it is virtually impossible to return an item if one does not have an order number. 

I sent a demand letter to American Express insisting that the charges be reversed, but have received no response. 

I have several times disputed the following charges by XXXX to my American Express account : Date of charge : XX/XX/2018 Amount of charge : {$68.00} Item : XXXX XXXX XXXX XXXX XXXX*XXXX - XXXX XXXX/XXXX, XXXX  Date of charge : XX/XX/2018 Amount of charge : {$370.00} Item : XXXX XXXX   XXXX XXXX XXXX*XXXX - XXXX XXXX/XXXX, XXXX  American Express did not resolve the issue , and deleted my disputes from my online account the very next day. Its only comment was that XXXX told them that I or a member of my household had ordered these items.
Product: Debt collection

to start, I received a call from XXXX XXXX ( XXXX ) on my cell phone, given a phone number ( XXXX ) to call with a Document number. I called and was told I was going to be sued and taken to court if I disputed the amount owed ( {$2100.00} as told by them and be charged court fees which would amount to over {$5000.00}. I was given an option to pay in installments and given a monthly amount ( XXXX ) to pay within 12 months. If paid in XXXX lump sum, the price would be cut in half ( {$1000.00} ). I agreed and gave them my information and received by email a form with my credit card information and for me to review and sign for consent. There was no other information on the paper but it said it came from a document control service and dropbox. There was no other information. I received a text from my bank to authorize or not and I decided not to have the payment go through because it was suspicious.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with 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 payment reported 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. 


Experian 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 or other personal consumer reports

I sent notification of address change prior to company charging me annual fee. Company charged me annual fee and I was not aware. Payment was made as soon as I was aware money was owed. No other balance on credit card. This turned into the first late payment on my credit report. It is completely misleading and there was an extreme circumstance of change of residence and no proper notification i sent a letter via the post office confirming my address change. They did not properly update the communication to send me the information of the annual fee and payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$260000.00}
Product: Mortgage

My name is XXXX XXXX - Loan # XXXX My Commercial Loan is with Valley Bank Valley Bank contacted me in XXXX to XX/XX/2022 requesting proof that I had insurance coverage on my property. I contacted my insurance company requested proof which was emailed to me. I immediately forwarded the information to Valley Bank. The agent at Valley Bank told me that Valley Bank needed to be listed on the insurance policy. I contacted XXXX XXXX company and provided the information explaining that Valley Bank needed to be listed on the insurance policy. XXXX reported that they tried several times to contact Valley Bank and that eventually they did get through and that Valley Bank was noted on the Insurance Policy held by XXXX. I received an letter this evening from Valley Bank telling me that I do not have any insurance and because of this they had to take out insurance on my property. They said that my mortgage payments would increase because they purchased this insurance. 

I gave Valley Bank Proof ALREADY. This is fraudulent activity perpetrated by Valley Bank and I want it reported immediately. Please feel free to contact me at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$45000.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX  Account # : XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX Account Status : closed UNAUTHORIZED INQUIRE ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach, resulting in identity theft. Unauthorized accounts and credit inquiries have been fraudulently opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit report : Fraudulent Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$4400.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

both trans union and XXXX  block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXXXXXX XXXX Balanced Owed : {$0.00}