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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri XXXX Dear I.C. SYSTEM, INC I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft and fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that I.C. SYSTEM, INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri Revised Statutes Section 570.223 establishes clear guidelines for the protection of personal information and the severe consequences of identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for I.C. SYSTEM, INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that I.C. SYSTEM, INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated XXXX-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I.C. SYSTEM, INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXX, XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX CAPITAL ONE XXXX. We have disputed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX   ANY OTHER COMPANY, and including the EQUIFAX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Product: Credit reporting or other personal consumer reports

The following companies XXXX, XXXX XXXX, XXXX XXXX, and XXXX have placed accounts on my credit report without first giving me the opportunity to challenge the debt. Also, these collections are reporting as " open '' or " closed '' and should be immediately deleted pursuant to 15 USC code 1681S-2 & 1692G. I have disputed the accounts mentioned with all XXXX credit bureaus and they have reported that all accounts disputed have been verified for accuracy. However, the credit bureaus did not provide the verification methods used within the 5 day timeframe. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I will pursue all legal remedy pursuant to 15 USC 1681n ( Civil Liability for Willful Noncompliance ). I am requesting that all collection accounts be immediately removed from my consumer credit report and an updated copy of my report mailed. 

XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX - XXXX - Acct # XXXX
Product: Credit reporting or other personal consumer reports

been disputing this account for some time they are refusing to removed from my credit report.ally finncial CU ACCOUNT XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a recent entry on my credit report regarding late payments. I would like to bring to your attention certain circumstances that contributed to these late payments and kindly request their removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! 
THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! 

NAME : XXXX XXXX XXXX Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE! 
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigated but that is impossible if the open date is inaccurate, the high credit is inaccurate, the date last reported is not accurate, the date last active is inaccurate, and the date of last payment is inaccurate. This is ground for removal, they also violated my rights under : 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 Also states responsibilities of furnishers of information to consumer reporting agencies. 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. 

Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking number # XXXX, # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -> This was my previous complaint. 

Short story it has been over a month trying to resolve my credit history. Please refer to previous complaint above. My information was lost/mixed up with another person. They asked me if there another person with my last name with the same social security number. I called Friday XX/XX/2019 to get my issue resolved and was given 5 business days. I called XX/XX/XXXX and they extended it for another 5 business days. After my previous complaint, everything on my account was duplicated. So for a few days I at least had a credit score, though everything was wrong. Student debt, loans, etc. I called a lady to get it fixed ( it was pretty straight forward ) because the loan numbers and account # s were the exact same. What then happened was that everything got deleted again and went from a XXXX to a XXXX again. Then to make it worse, I was asked to call my bank to make sure they are reporting correctly and inserted it on my account ... again pointing me back to blame the bank. If you read the previous complaint, they were able to find my information without using my social security number, but again, we have to wait longer to see what turns up. This problem hasn't been fixed one bit and am worried about privacy at this point too.
Product: Credit card

I called and went to bank I try and handle it but cut it off for no reason months ago Pursuant to 18 usc 8, i owe no debt, this company is violating my consumers rights to privacy to 15 usc 1681b 2.company have NO permission to report ANYTHING using my info to Pursuant 15 1681 4.
Product: Credit reporting or other personal consumer reports

Ive ask Experian to remove all inaccurate information from my credit report specifically a XXXX loan from the ( Dept of Education XXXX  ) this XXXX loans has been reporting inaccurate information on my credit report for over 10 years now this a violation of 15 USC 1681, 15 USC 1692 ( c ) ( c ), & 15 USC 1692 ( g ) i would like to be compensated {$1000.00} for there violation thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 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 , 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

as directed by the federal law, local law enforcement and the FTC, I submitted my complete identity theft file to transition and their response to me by mail was that they declined it due to it being made in error, ( which it was not an error ), a misrepresentation of facts ( the facts are clear and I will attach them again, which included my tax returns showing my actual address at the time of the account creation ) or obtained goods or services, ( which I have not ),
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that this late payment account is inaccurately reported, which is adversely affecting my creditworthiness. The account is : CAPITAL ONE/XXXXXXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions. The evidence must include color copies of my ID and Social Security Card used to open this account.

Moreover, in alignment with 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 unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case. 

If you can not produce the necessary documents validating this account and these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately. 

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 

Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.
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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Equifax stated they will need an additional 60 days to complete my report on the XXXX website as a response and that is unacceptable. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are typically required to investigate disputes within 30 days of receiving your dispute. If XXXX waiting longer than the allotted time, I have the right to escalate my case, with the help of the Consumer Financial Protection Bureau ( CFPB ).
Product: Checking or savings account

I was playing XXXXXXXX XXXX XXXX they refused to pay XXXX Ive put a lot of money into account and they refuse to pay so I want money I put into playing since funds to be paid out they wont pay and sincoast gave me some of my disputes then decided no makes no sense
Product: Debt collection

I already deleted and removed all accounts and are paid its almost a year and you guys are still reporting something false my debt to capital one is paid off and I also deleted my online Acess and app please remove this from my credit immediately
Product: Credit card or prepaid card

I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent investigation requests to all three credit bureaus. As of today ( XX/XX/XXXX ), I have received responses from XXXX  and XXXX XXXX ; but Equifax has NOT responded yet. Its been well over 30 days.
Product: Mortgage

I contacted Navy Federal Mortgage to apply for a home owner loan. On our initial call I told the loan agent that I own a company and that I have a new job that I am moving to XXXX XXXX XXXX to begin, AFTER I buy a house. I asked if that income could be used to determine my pre approval amount. I was told yes and for me to send in an acceptance letter from the new job. I did this XX/XX/XXXX and I was approved for the Pre approval on XX/XX/XXXX. I went through a very rigorous process. I paid for things during this process like home inspection, profit and loss statements, a second inspection, ... .etc. 4 days before closing, I get a call that said that even though there was a acceptance letter, and even though they contacted the owner of the company to verify employment, that I was denied because they could not verify my income through a pay stub. If you will read the same document that they asked me for, ( acceptance letter ) It says that I didn't start my job until XX/XX/XXXX. My closing was XX/XX/XXXX. Therefore they KNEW that there would be no pay stubs. Why would this company allow me to go through all of this, to deny me for something that they had knowledge of from the beginning. I invested time, money, energy. I started shopping for appliances, starting applying to moving companies ... ..etc.This was so wrong on so many levels. For them to be a name brand bank and for them to play with my life like this was terrible. Thank you for listening and I hope that we can resolve this
Product: Credit reporting or other personal consumer reports

I disputed an item on the report that has been removed from other reports as it is not legal to be on there because I don't know who that is. They are still on there. Experian also mis represents my score as other scores are significantly higher XXXX point difference. They are misrepresenting me and ruining my score which is going to be disputed constantly until my problem is fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . 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. 

You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. 
You are hereby put on notice you have been reporting inaccurate information. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX $ and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled debt.
Product: Checking or savings account

On Sunday, XX/XX/2019 a fraudulent charge appeared on my bank account as a debit card purchase in the amount of {$100.00} this charge appeared as " XXXX XXXX XXXX XXXX XXXX. This charge was a charge back initiated by someone that we sold some electronics to over 5 months ago. this is clearly fraud. Its my understanding that capital one has zero percent fraud liability for their debit cards, however when I attempted to contact them over this issue ( twice ) they seemed very unsympathetic to my case and could not help me, I needed this money desperately to buy my prescription medicine. This fraudulent charge has stolen {$100.00} from my bank account and I need this money back as soon as possible.
Product: Mortgage

i need to see my amortization schedule. I want to see how my loan is being paid off. I have made extra payments to the principal and need to see how that has affected my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX XXXX  for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX  deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX  and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX  and XXXX   XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from Citibank Na., Best Buy on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX