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

In accordance with Fair Credit Reporting Act. The List of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate These Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Accounts that are not reporting correctly.

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

I as the consumer have a right to privacy.
Product: Checking or savings account

I opened 2 accounts with JP Morgan Chase Bank, The 1st account was opened in XX/XX/2022 which is my Personal Checking Account opened with my SSN along with other documentation, The other account I opened was a Business Account in XX/XX/2022 where as an EIN number and article of organization etc. I had made some purchases with my personal account for merchandise and travel, I didn't receive my merchandise and I canceled my flight on the airline, I also queried the charges and credit was given to my Personal Account as that's where all transaction took place from. However JP Morgan Chase Bank is in violation of the Bankers Manuel as they have closed my Personal Account without notification on the public side off the ledger know the private side of the account is left open for discharging by there corporation ( unfair practice ). To further violate JP Morgan Chase Bank has now broken all commercial merit by lodging a XXXX $ tab to my Business Account causing my business to go down hill into a negative status from the XXXX XXXX to Present as I am unable to use my account to satisfy my clients commercial, One client sent her payments XXXX on Saturday the bank just garnished it unlawfully my Business Account is back XXXX Fdic and so to is my Personal Account why does JP Morgan Chase believe the Bankers Manuel doesn't apply to them, This is also identity theft and Fraud against my employer.
Product: Credit reporting or other personal consumer reports

Yo CFPB, I'm real upset with how XXXX, XXXX, and Experian are treating my credit report. I've tried to fix the errors, but they keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

I've sent letters using simple software, but they ain't responding. This is straight-up illegal and wrong. No Power of Attorney is needed for this. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 reporting standards, I got the right to dispute any false info on my credit report. The claims of delinquency against me are bogus and don't meet federal or state standards.

I want proof that there was a legit reason for the inquiries or accounts on my report. If they can't show that, it's a fail on their part. 

The XXXX data breach messed me up with a bunch of fraudulent stuff on my report. I never agreed to share my private info, making this reporting unfair and not right according to 15 U.S.C. 1681 Section 602A.

Here 's where they messed up : 15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : Can't furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Can't knowingly furnish inaccurate info Y'all got 30 days to fix this. I want proof of what you did and an updated copy of my credit report. The false claims need to go, ASAP. 

Check out the attached letter for more details. Thanks for handling this quick.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this accountXXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated. 


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.

EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Debt collection

These accounts are not mines. I have contacted these companies but they have not valid any information. My information was exposed in the data breach. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY 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 ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX
Product: Debt collection

This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXXn> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Product: Money transfer, virtual currency, or money service

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

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

Pro collect is still reporting to all three credit bureaus that my account is in collections even though they gave me documentation stating that they have released the collection agencies and that the account is paid & the account should be removed from my report. Theyre still reporting it every month. I paid this account off before it went into collections and the apartments turned it into collections anyway. This was in XXXX the first time I paid it then I paid it again in XXXX I have been dealing with this for six years.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies that Experian reached a settlement proving they were not being fair to consumers during Data breach that resulted in millions of dollars paid to consumers
Product: Credit card or prepaid card

On XX/XX/2020, I received a U.S. Bank Reliacard for unemployment. I am retired, not unemployed, and did not request this card. I have tried calling U.S. Bank at several different phone numbers to report this but each number requires me to give information over the phone that concerns me. I do not wish to activate this card. I want to report it as fraud and possible identity theft.
Product: Mortgage

XX/XX/year> I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding its failure to address and release potential surplus funds from the foreclosure sale of my property. 

I contacted the Superior Court XXXX XXXX XXXX, and they advised me to reach out to BB & T directly for assistance. According to O.C.G.A. 44-14-190, surplus funds from foreclosure sales must be returned to the previous property owner. Despite my efforts, XXXX XXXX XXXX has failed to provide any information or guidance regarding the existence or retrieval of these funds. 
I formally submitted a letter to XXXX & XXXX requesting : Confirmation of whether any surplus funds exist. 
Detailed instructions on retrieving these funds, including any required forms or documents. 
A full accounting of the foreclosure sale proceeds, including the amount recovered, applied to the debt, and any surplus. 
I included all necessary documentation, including a copy of my government-issued identification, Social Security card , marriage license, and foreclosure-related documents. I requested a written response within 15 business days, but XXXX XXXX XXXX failed to provide any response or acknowledgment of my inquiry. 

I am attaching supporting documents to this complaint, including copies of my previous correspondence and relevant foreclosure records. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an erroneous credit information but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report XXXX XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an inaccurate credit file entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit file entry. I do not consent to E-OSCAR or any means of automated verification.
Product: Bank account or service

Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours,
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX and a week into having ths car it start too have problems from the brakes, thermostat, powertrain and etc I keap calling and complaining but no results so XXXX I got into the car it almost exploded on me and then stop running I feel this is not far too me that I was sold a lemon
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent out a detailed dispute letter to Transunion certified mail, on some issues that i don't believe are accurate on my credit profile. There are some misleading information on there that is really hurting my credit and it has been well over 45 days and I haven't received anything about their investigation at all. I know the Fair Credit and Reporting act says that it must be accurate nd they have to give me information about it within 30 days. Well i am still waiting so i kindly ask them to remove the inaccurate information and remove the unverified late payments.
Product: Checking or savings account

On XX/XX/ 2019 I was overdrawn on my checking acct. ending in XXXX and I asked my husband to quick pay me enough money to cover. Now we have the same bank, Chase bank, same location and all so he quick payed me the money and my acct. was current. The next day I checked my acct and I was charged two {$34.00} overdraft fees! I called the bank right away and they said I didn't get the money to my bank on time??? I told them it was before XXXX XXXX eastern time and they said I had to have it on central time! Who the XXXX has the time to look into that?? When I check my acct. that day I was fine. I am tired if these banks finding every way possible to charge fees! They were able to credit the one fee but, I was requesting the other one as well because my bank was ok when it cleared! I want my {$34.00} back on my acct.
Product: Checking or savings account

My XXXX  XXXX submitted my payroll 14 to enter my account by the XXXX. My paycheck never arrived to my account. My bank delayed and never processed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report states " FILE CURRENT ADDRESS IS A RESTAURANT/BAR/NIGHTCLUB ''. This is not true. I live in an apartment complex. I have always lived in apartments. None of my homes have been restaurants, bars, or nightclubs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has a false collection account on all 3 of my credit reports I have disputed this collection agency multiple times. Ive asked for a contract for service of goods or merchandise or any contract that I committed to. The company has not sent me a contract where I signed to pay them for service of good or merchandise. The company has defamed me by saying I owe money to XXXX XXXX for years. I do not have a debt with XXXX. I have not previously had a debt with XXXX. I have attached my XXXX  billing with the XXXX letter head and the website listed below. I have no bill with XXXX I have a XXXX balance with XXXX. I do not owe this company money Ive never entered into an agreement with this company. But XXXX, XXXX, and Equifax refuse to delete this degradable information from my credit report which has caused great hardship. The screenshots also have date details in the screenshot
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate reasonable compensation under these violations.
Product: Debt collection

Equitable Acceptance Refuses to Remove this Fraudulent account off my credit report I have enclosed my police report, I need assistance with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX who utilizes this website called : XXXX. I wanted to pay $ XXXX/month for the use of their services to showcase a website on their system. The credit card company declined my ability to pay for their services on both my Wells Fargo card and my XXXX card. That means that the system profiled my identity online in terms of how I use my credit card in a manner which is in violation of Federal laws concerning illegal profiling.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Debt collection

From XX/XX/2020 until XX/XX/2020 I have sent out letters to the collection agency asking to verify the amount is owed is mine and still have not gotten any verification stating it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was alerted that I was out of the country due to XXXX  and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XX/XX/XXXX and XX/XX/XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified XXXX XXXX XXXX XXXX of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts listed on my credit report that do not belong to me. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that my rights have been violated, and I seek your assistance in resolving this matter. Below are the details of the disputed accounts : XXXX XXXX XXXX TransUnion : XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX  ( TransUnion : XXXX ) XXXX XXXX ( TransUnion : XXXXXXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX ) XXXX XXXX ( TransUnion : XXXX ) XXXX XXXX XXXXXXXX ( TransUnion XXXX XXXX ) These accounts are not mine, and I am concerned about the impact this misinformation may have on my credit standing.

Violation of My Rights : Right to Privacy : According to 15 U.S.C. 1681 section 602 ( a ), I am entitled to the privacy of my credit information. The inclusion of these accounts on my credit report, which do not belong to me, constitutes a violation of my right to privacy.

Failure to Obtain Written Instructions : As per 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. The reporting of these accounts, without my consent or knowledge, violates this provision of the FCRA.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA by the involved consumer reporting agencies. I also request that these incorrect accounts be removed from my credit report promptly.

Enclosed with this letter, you will find copies of my credit reports from TransUnion and XXXX highlighting the disputed accounts, along with any other relevant documentation. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at the above-listed contact information if further information or clarification is required. 

Thank you for your assistance in safeguarding consumer rights under the FCRA. 

Sincerely,