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

National Credit Adjusters Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX  ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Violation of Right to Accuracy Dear XXXX XXXX XXXX XXXXXXXX XXXX I am writing to dispute the charge-off reported on my credit report associated with Account Number XXXX I believe this charge-off is inaccurate and violates my right to accuracy as established under the Fair Credit Reporting Act ( FCRA ). 

According to my credit report, this account shows a charge-off status, which I dispute for the following reasons : 1. **Inaccuracy** When a creditor writes off a debt and reports it to the IRS, it can not continue to report the forgiven amount as an active debt on the debtor 's credit report. Once a debt is written off, it should be marked as " charged off '' or " settled, '' but not as an open or outstanding balance. Reporting the debt as still due after writing it off would be inaccurate and could violate credit reporting laws under the **Fair Credit Reporting Act ( FCRA ) **.

I kindly request that you investigate this matter and provide me with the evidence that validates this charge-off. I would also like a correction of my credit report to reflect accurate information regarding this account.

Under the FCRA, I am entitled to receive a response to my dispute, including an explanation of your findings. I have attached copies of relevant documentation to support my claim.

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report, despite my submissions. Equifax consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Cedit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EQUIFAX, and XXXX is reporting Multiple XXXX/ XXXX XXXX  accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 USC 1692
Product: Student loan

Being sued as a cosigner for my sons loan to attend XXXX XXXX XXXX University in 1995 by a Debt Collector ( Law firm ) which specializes in obtaining loans written off by a private lender and still attempts to collect on said loan for their own individual profit purposes in addition to attempting to also collect an excessive amount of interest. This law firm is operating as a debt collection agency not specifically hired by the original lender but instead employs " fishing tactics '' on credit bureau reports in an attempt to gain individual profit. I was not sued by the original lender XXXX XXXX XXXX who had this loan guaranteed by the Federal Agency responsible nor by any Federal entity but instead by this particular debt collection company. I an unable to afford an attorney to represent my interests nor am I able to obtain the necessary documents to fairly contest the numerous an excessive amount of legal motions being directed against me in an attempt to intimidate me into paying as a cosigner for my sons student loan. I strongly feel that as a XXXX XXXX I am at a distinct legal disadvantage in this matter. I also believe that this debt collection agency has unfairly obtained the rights to purse me for repayment for the loan in question. Please provide me with assistance in any way or form legally permissible. When I attempted to make arrangements to repay this loan I was informed that the interest alone would be XXXX the amount of the original loan repayment and that even XXXX per month would not reduce the amount of principle involved. I am concerned the debt collection agency Law Firm involved will attempt to get a summary judgment against me.
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. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$23.00} XXXX XXXX XXXX XXXXXXXX Balance : - U S DEPT OF EDXXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

This is a formal demand for the immediate removal of inaccurate, incomplete, and unverifiable information from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Equifax, XXXX, and XXXX XXXX have violated FCRA 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they reported. This inaccurate information has harmed my credit profile and must be deleted without delay.

Under FCRA 1681i ( a ), credit reporting agencies are required to delete any disputed information that can not be verified. XXXX XXXX, as a furnisher of credit data, has further violated FCRA 1681s-2 ( b ) by failing to properly investigate and correct this inaccurate information. Additionally, if this information was reinserted after prior removal, this action was taken in violation of FCRA 1681i ( a ) ( 5 ). You are required by law to immediately remove all inaccurate and unverifiable data from my credit report and ensure that no further violations occur. 

Failure to comply with this demand will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to seek legal action to recover statutory and punitive damages for your ongoing violations of the FCRA. This matter must be resolved immediately to avoid further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so uncertain. It really gets on my nerves. I've submitted this complaint 4 times already & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, due to inadequate customer service, and unfair practices, if not being able to contact an agent to get issues handled when needed. This violates the CFPA. Cash app did not handle nor process my concerns nor requests timely, or efficiently. Cash so had had multiple issues with fraud throughout their platform, which made my account vulnerable to discrepancies. I had someone use my cash app to make multiple purchases that were fraudulent, I was never able to speak with a human on the phone, now I am unable to cancel that card and receive a new one. They did not comply with error resolution requirements under EFTA and regulation E. These actions have caused financial loss, and added stress.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. - XXXX Account : XXXX XXXX Owed {$3600.00} XXXX XXXX. XXXX Account XXXX XXXX : {$7200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account : XXXX : {$11000.00} Opened : XX/XX/XXXX XXXX. XXXX Account : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX -- -- These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit card

On XX/XX/XXXX, I entered into an agreement with American Express to pay off the balance of my account. The schedule that AmEx created included payments automatically drafted from my checking account on the XXXX of each month, with payments beginning on XX/XX/XXXX. Since that time, the payments have been applied to my account on the XXXX of each month, but a {$40.00} late fee was also assessed on my account XXXX days later. According to recent notices from AmEx, my account has been reported as 150 days past due and the balance is now almost {$200.00} higher than it was in XX/XX/XXXX when the payment plan was confirmed. 

I have talked with Customer Service reps at AmEx and have asked how my account balance can be higher due to late fees when the payments were automatically drafted according to the schedule created by AmEx. Every company representative has attempted to push the blame on me and questioned if I just forgot to make the payments, when my account clearly shows the payments applied to my account of the dates of the payment plan. 

I have made several requests to have the issues escalated to higher management and to have my account reconciled manually to remove the illegal late fees and bring the balance of my account to the true amount based on the payments that have been made. 

I have yet to talk with someone at American Express that can give me a valid answer for way the late fees were assessed and correct my account. At this point, they are threatening to write-off my account and further damage my credit rating, beyond inaccurately claiming my account to be 150 days past due, because I refuse to agree to a new payment plan using the higher balance that they are claiming. 

I have attached the PDF of the email confirmation of the payment agreement that was sent to me on XX/XX/XXXX, as well as the payment record from my account summary on the AmEx XXXX.
Product: Debt or credit management

I got a debt cancellation in regards to a vehicle that US Auto Finance has and was paid off. I now have debt cancellation on a IRS tax bill and US AUTO Finance has filed XXXX XXXX XXXX. I have tried to contact this company and they are out of business. Now there is no number to contact anyone in regards to this information. This company is stating that I owe them an excess amount of {$12000.00} and I have no proof. I have no way of seeing how this is owed. This company has been filed and I am confused as to how I owe a company that filed bankruptcy. At this time I seek monetary payments because I have to pay for a debt that isn't verifiable.
Product: Debt or credit management

On XX/XX/year>, I initiated a request via the SmartCreditXXXX website, an online credit monitoring platform, for one of their products called a smart action. This particular smart action was for them to inquire about an interest rate reduction with a credit card holder. It was later discovered that they partnered with a third party company that may or may not provide services for debt management. Because of such, the creditor has locked my account until confirmation that I am not in business with them. There have been numerous attempts to resolve via this company and their 3rd party with no success as of XX/XX/year>.
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 bankruptcy in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of item which does not belong to me or was opened without my permission. 

XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened acct with HSBC bank Wrote a check against my acct The within 20 min tried to deposit money to cover the XXXX and I could not get access through ATM they had not properly set up the acct But when I would call customer service they would tell me your acct is fine Go to another atm to make deposit I did same thing Now they are charging me XXXX dollars in over draft fees Snd the won't return a call
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Ive had my car since XXXX my payments are set up on auto payments. Last Friday they didnt pull my payment out. Monday she called me and said they needed the payment. My bank information was giving at the beginning of my loan signing so I dont know why it wasnt pulled out around XXXX my car was repossessed. I called Tuesday morning they said I had to now pay {$1100.00} to get my car back. I am a XXXX XXXX XXXX just had XXXX at the end of XXXX and had a financial change. This is my first time missing a payment well not missed because its still in my account.
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. As well as 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 a huge inconvenience and substantial financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my private trust on XX/XX/2023 at Ameris Bank XXXX Georgia its was Approved threw the legal department the account opened for two days I Simple went to the bank to ask question upon ach transfer when banker XXXX XXXX and manager XXXX got in their personal feeling And closed my trust account my business checking and saving accounts saying my trust document was no longer correct when it was just approved threw the legal department they are in breach of their fiduciary responsibilities as trustee for the XXXX XXXX XXXX XXXX I would like the fdic XXXX XXXX XXXX XXXX XXXX dollars released for the use of my private property my XXXXsn my id ect inside my agreement I will prove I deposited my source data which is priceless and a asset to my estate I want XXXX and XXXX removed from banking they are incompetent and misinformed on bank operations and they are injuring and breaching trust agreements which results in jail time or fine. I demand the release of all equity interest securities and assets being withheld in escrow on the principals behalf you have seventy two hours to respond in writing to XXXX XXXX XXXX XXXX fl XXXX or email XXXX all rights reserved ucc1-308 18 usc 8 all obligations and debt is off the United States I am a informed consumer advocate and will like remedy without recourse. If you have any questions please seek advice By : XXXX, XXXX XXXX
Product: Debt collection

I did not consent or signed no contract with XXXX XXXX XXXX agreeing to pay any debt owed to them 15 usc 1681section 604 a section 2 states a consumer reporting agency can not furnish an account without my writing instructions or consent also under 15 usc 1681 states I have a right to privacy and I did not consent for my information to be sold to XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have XXXX installment loans with Affirm. XXXX in the amount of {$120.00} made on XX/XX/2022. The second one is in the amount of {$72.00} made on XX/XX/2022. 

On XX/XX/2022 I was directly impacted by XXXX XXXX which affected my ability to make payments due to my financial hardship. 

I am reaching out to the company to resolve an issue with my credit report. I have paid both amounts in full and still have delinquency on my credit report due to outstanding amounts and late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My phone and wallet were recently stolen at XXXX XXXX while I was traveling from XXXX, XXXX to XXXX, XXXX. I later noticed that there were XXXX orders on my XXXX XXXX account that I did not place. These orders were for a {$200.00} baby playpen and {$860.00} baby chairs that were delivered to someone named XXXX XXXX I don't know, in XXXX, at an address that is not mine. I do not have any children. I also noticed charges on my stolen credit card in my card app for payments to XXXX that were used to finance these purchases. My stolen phone was hacked into and my XXXX account was accessed, as well as stored personal information such as my Social security number and email which were used to apply for XXXX XXXX loans that were used to finance the purchases. I reported to both XXXX and XXXX that these orders are not mine. XXXX sent me multiple emails that I was still being held responsible for the loans taken out to finance the unauthorised purchases with XXXX. I currently live in the XXXX and have no idea who placed these orders on my XXXX XXXX account, nor have I used my XXXX XXXX account to place any orders to the XXXX.
Product: Debt collection

I do not owe this debt. would like to receive documentation and verification that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.