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

To whom it may concern, I sent the below ( attached ) bank statement proving that the money came out of my account to pay my XXXX, XXXX mortgage payment so they can correct the misinformation being published on my credit report and XXXX told me they had removed the mistaken delinquency. However, upon receiving the ( also attached ) credit report by XXXX I notice that they did not fix the incorrect delinquency under Accounts with Adverse Information specifically account XXXX XXXX XXXXXXXX XXXX Otherwise, my credit report is correct. 

Even if XXXX claims I did not make my mortgage payment XXXX XXXX, they have also violated my consumer right per 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) when mistakenly reporting a missed payment. Per the above law, the creditor was required to get my permission before reporting to credit bureaus to report the one month delinquency in question but never did. They sent a letter saying they have to report supposed late payment by law but they never gave me the option opt out of disclosing the late payment to a third party as required per 15 U.S. Code 6802 ( b ) ( 1 ) ( B ).

The late payment is showing up for the month of XXXX, XXXX. The creditor is XXXX, XXXX XXXX ; account number : XXXX. 

For the purposes of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ), a 30-day mortgage late payment is generally considered personal information. This section of the law pertains to the privacy and security of " nonpublic personal information, '' which is defined as " personally identifiable financial information '' that is not generally available to the public. A 30-day mortgage late payment would typically be considered personally identifiable financial information, as it pertains to an individual 's financial history and could be used to identify that individual. Under the law, financial institutions ( such as mortgage lenders ) must provide their customers with a clear and conspicuous notice about their privacy policies and practices, including how they collect, use, and protect nonpublic personal information.

Financial institutions are also required to take steps to safeguard this information and prevent unauthorized access or disclosure. If a financial institution intends to share a customer 's nonpublic personal information with a third party, they must provide the customer with an opportunity to opt out of such sharing. Overall, a 30-day mortgage late payment would typically be considered personal information under 15 U.S. Code 6802 ( b ) ( 1 ) ( B ), and financial institutions must take steps to protect the privacy and security of this information.

For purpose of 5 U.S.C. 1681 refers to the Fair Credit Reporting Act ( FCRA ), users of consumer reports ( such as lenders ) must obtain the consumer 's consent before obtaining their credit report - XXXX XXXX XXXXXXXX obtained my credit report on XX/XX/XXXX without my consent ( proof attached ). Therefore, please, have XXXX delete the delinquency completely from my consumer report like they said they already had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX  XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit

Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my express
ed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX XXXX  # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I XXXX XXXX XXXX have the right to make sure my private information isnt shared which rd is found in 15 USC 6801 which states its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies : is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that : 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. The Financial institutions and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) wether it be verbal, non verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that : A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A person shall not furnish any information relating to a consumer to any consumer regarding agency if the person knows or has reasonable va de to believe that the information is inaccurate 15 USC $ 1681s-2 A.
Product: Money transfer, virtual currency, or money service

The check was written out to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX for XXXX loan payment and was mailed on XX/XX/XXXX. Later on XX/XX/XXXX we got call from XXXX XXXX XXXX  about check not being received. Upon checking our account it showed that the check was cashed and deposit on XXXX XXXX we contacted our bank XXXX and they filed a forgery and fraudulent complaint. They were able to locate the bank that the fund got deposited into and contacted the bank. 

As of today XX/XX/2021, we haven't received anything from TD bank so we would like to file a complaint against TD bank for accepting the check not payable to them and allowing their customer to deposit into their account without further inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/TU/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Balance : {$3600.00} ; XXXX XXXX XXXX XXXX .... Balance : {$4200.00} ; XXXX XXXX .... Balance : {$8200.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the EQUIFAX data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to Equifax, XXXX, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX FL XXXX Subject : Dispute of Debt and Request for Validation under 15 U.S.C. 1692g Dear XXXX XXXX XXXX, I am contacting you regarding the alleged debt referenced in my consumer credit report and associated with the following account : Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$15000.00} Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute the validity of this debt. I am exercising my right to request verification and validation of this account within 30 days of receiving notice of this debt.

Specifically, I request the following : Verification of the amount claimed to be owed, including a breakdown of principal, interest, and fees.

The name and address of the original creditor, if different from the current creditor.

A copy of any judgment ( if applicable ).

Verification that you are legally authorized to collect on this debt.

Under 15 U.S.C. 1692g ( b ), collection activities on this account must cease until proper validation is provided. Failure to provide sufficient validation within a reasonable period will be considered a violation of the FDCPA, and I may pursue my legal rights accordingly.

Additionally, please update your records to reflect that this debt is in dispute. If your investigation determines that the debt is invalid, I request that you remove all negative references related to this account from my credit report.

Please provide written confirmation of your receipt of this dispute. I expect a response within the timeframes required by law.

Thank you for your prompt attention to this matter.

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account high balance. Nor do I recognize the late payment associated with this account. Everything reported here does not meet the FCRA! 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and Iseek appropriate redress to these violations.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against LexisNexis for their failure to conduct a timely investigation into inaccuracies regarding the reporting of a bankruptcy on my LexisNexis consumer report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to LexisNexis via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate reporting of a bankruptcy on my consumer report. This dispute addressed discrepancies in how the bankruptcy was being presented. As required by the FCRA, LexisNexis is obligated to investigate and respond within 30 days. 
Despite my efforts and compliance with FCRA requirements, I did not receive a response from LexisNexis within the required 30-day period. Instead, I received a letter from LexisNexis in XX/XX/XXXX, indicating they were unable to authenticate my identity. This is despite the fact that I included a copy of my Social Security card, driver 's license, and proof of address with my dispute letter. 
LexisNexis ' failure to conduct a proper investigation has negatively impacted my creditworthiness and is a direct violation of my consumer rights under the FCRA. Their negligence in handling my dispute has caused undue stress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

When outside companies contact Equifax to pull my credit score/report to obtain a loan ( car, mortgage, etc. ), they are unable to do so. These companies provide my personal information ; name, DOB, home address, SSN, etc. and the business section of Equifax indicates to them the information is not correct for verification. For security reasons, they do not release the information to the companies that is incorrect. 

I have tried diligently for over 3 years connecting with Equifax and each time go through the same verification process with them over the phone and they confirm my identity to be valid. I explain to them the problem of companies not being able to obtain my credit report but I receive the same answer, " nothing appears wrong with your report. '' When a credit report is issued to me, I have noticed each report indicates new names and new addresses in the section under " previous home addresses '' which is also incorrect but never corrected. Each month that I have received this report, different names and addresses appear, some from within my state and others outside of the state I live in. Although this is incorrect information on my report, I don't believe this to be the problem as to why companies can not obtain my report. This is a separate problem I would also like to have cleared up. 

A few years ago, Equifax had a breach and I was contacted by my bank. Equifax provided a 1 year free identify protection service and the ability to " freeze '' my account, which I did. A few years ago, I released the freeze when wanting to obtain a loan so that my credit report could be obtained. According to Equifax, there is no freeze on my account and yet they don't have an explanation as to why companies are not able to pull my credit report. The problem with companies trying to obtain my report started after this breach or after the freeze was initially placed and released. 

In an effort to fix this problem and aside from reaching out to Equifax directly over the phone, I have also supplied Equifax with numerous emails and faxes proving my identify with drivers license information, utility bills, tax records, etc. ; again, with no resolution to this problem or reply. 

I am at a loss on what or who to contact to resolve this issue as I am making absolutely zero headway with anyone at Equifax. I need help to FIND the problem and resolve it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX - XX/XX/XXXX - {$520.00}