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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/15, I submitted a complaint with the Consumer Financial Protection Bureau ( reference case number XXXX ) regarding Wells Fargo Bank. On XXXX/XXXX/15, Wells Fargo Bank responded with written correspondence, admitted to and apologized for their errors, and stated I was not liable for any debt AND they would remove my name from the Wells Fargo Business Platinum Card ( under XXXX ) account ending in XXXX and the Wells Fargo line of credit account ending in XXXX ( Wells Fargo Reference number XXXX ). 

As of today, the Wells Fargo Business Platinum XXXX account ending in XXXX continues to show up on my bank account as still open with a {$12000.00} outstanding balance. 

I have worked with my local banker manager, XXXX XXXX for the past year to resolve this matter ; however, XXXX and I have not been successful thus far. 

I will attach the letters from Wells Fargo along with a snapshot of my bank account which shows the Wells Fargo Business Platinum Card account ending in XXXX as still open, and my email correspondence with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/21 ) a collections dispute was REMOVED from TransUnion. TU dropped my score by 60 points. The only thing that changed was this removal. I had disputed the collections ( medical ) because of wrong information and it was not me. The derogatory mark was removed, and immediately my score dropped 60 points lower. I called TU and was told they could not tell me the reason why and they could not supply my credit report. TU then tried selling me a service at {$19.00} a month for this information. Not once but twice with the sales pitch. This appears like a " pay for credit boost '' scheme. My XXXX increased by 62 points as a result of the collections removal. Very strange that TU dropped it 60 and then tried to sell me a monthly service for any information relating to my score.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I am requesting that the following fraudulent accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$300.00} XXXX. XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$690.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$9400.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Santander Account Violation of FCRA To Whom It May Concern, I am writing to formally dispute a fraudulent XXXX account that is inaccurately reporting on my XXXX credit report. I have never opened or authorized any account with XXXX, making this account completely unauthorized and fraudulent. 
My personal information was compromised in multiple data breaches, including but not limited to the Equifax security breach and the XXXX XXXX XXXX XXXX breach , among others. These breaches exposed sensitive personal details, which may have been used by identity thieves to fraudulently open this account in my name. 
Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and demand the immediate removal of fraudulent accounts from my credit report. Additionally, 15 U.S.C. 1681e ( b ) requires XXXX to maintain maximum possible accuracy, which it has failed to do by allowing this fraudulent account to appear on my report. 

I demand that this fraudulent XXXX account be permanently deleted from my XXXX credit report immediately. If this matter is not resolved within the 30-day period mandated by law, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Please provide me with written confirmation once this account has been deleted. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have paid off my XXXX XXXX XXXX XXXX loan and being request for this item to be removed from my credit report, which they informed me that it will be removed and it still havent being removed. Please am asking for this item to be removed. 
XX/XX/2021 ACCOUNT # XXXX
Product: Debt collection

was called XX/XX/2021 at XXXX individual claimed he was a debt collector for Wakefield and associates.

when I asked him to be more specific he immediately asked for my SSN. 
i NEVER RECEIVED ANYTHING IN THE MAIL FROM WAKEFIELD AND ASSOCIATES INDICATING WHAT THEY WANT OR ANY SPECIFICS. 

Phone # 'S XXXX ... XXXX heavy foreign accents.
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 Transfee 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX/ XXXX  Account # XXXX XXXX XXXX Account # XXXX Macys XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well- being. Kindly help me remove the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance : {$640.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance : {$640.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX XXXX XXXX Balance : {$31000.00} - As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. 
XXXX  XXXX XXXX XXXX Balance : {$310.00} - You are reporting a DELETED information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE this account as soon as possible.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX in XX/XX/year> and began transferring assets, worth {$9400.00}, into it. Following a series of requests to upload documents verifying my identity and the source of my funds, I successfully completed the verification process and was able to purchase cryptocurrency. 

However, my account has been frozen since XX/XX/year>, and I have been unable to withdraw my assets. Despite fulfilling all their requests for documentation, XXXX has not lifted the hold on my account. 

I have repeatedly requested escalations to resolve this issue, but Gemini 's support team has been unhelpful. They continue to ask for the same documents I have already uploaded, resulting in a frustrating cycle of repeated requests and no progress. This has been ongoing for over four weeks. 

The lack of resolution and transparency has caused significant stress, which is now impacting my mental and physical health. I urgently need this matter to be addressed and resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : 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 XXXXXX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am addressing multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. My dispute highlights significant concerns regarding the accuracy and legality of the information reported on my credit file. 

Here is what transpired : Willful Noncompliance ( FCRA Section 616 ) : Entities failed to verify the accuracy of the credit information they reported about me, which constitutes willful noncompliance. Under this section, each violation carries a potential civil liability of up to {$1000.00}. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of the sharing of my personal information was not disclosed, which is a clear violation of my consumer rights. 

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate accounts and inquiries were added to my report without proper validation, breaching generally accepted practices and misleading creditors. 

Violation of the Debt Collection Practices Act : I experienced harassment and distress as inaccurate debts and accounts were reported without my consent, prompting unnecessary creditor contact. 

Third-Party Disclosure Violations : Debt collectors improperly shared my information with third parties in connection with alleged debts, violating rules that prohibit such disclosures. 

Misrepresentation of Late Payments : Entities reported late payments without accurately defining what constituted late, creating deceptive and inaccurate entries on my credit report. 

Errors in Finance Charge Determination : There were failures in calculating finance charges correctly, adding to the inaccuracies on my credit report. 

Unauthorized Reporting ( FCRA Section 1681b ) : Information was reported on my credit file without my written consent, violating the permissible purposes outlined in the FCRA. 

To address these violations, I have specifically requested the following actions : Validation of alleged debts under 15 U.S.C. 1692g, requiring documentation such as contracts or agreements signed by me. 
Removal of unauthorized hard inquiries from my credit report under 15 U.S.C. 1681b ( a ) ( 2 ). 
Deletion of all inaccurate and unverified accounts that fail validation. 
If these violations are not resolved promptly, I am prepared to pursue the legal remedies available to me under the FCRA and related statutes to protect my rights and ensure compliance.
Product: Student loan

On XX/XX/year>, the Consolidation process of my XXXX original loans was finalized, and my new servicer ( XXXX ) received my new Consolidation Loan with an original principal that matched the value of the 6 original loans. However, my old servicer ( Aidvantage ) somehow managed to get a fake consolidation loan ( literally named " Description not Found '' on my account history page of their internal system ) disbursed to Advantage in my name, with an original principal that was far above the total value of the original 6 loans that had been consolidated. Advantage then claimed that it transferred the fake consolidation loan ( with the name " Description not Found '' ) to XXXX XXXX weeks later ( XX/XX/year> ) even though records from both XXXX and the Department of Education dispute that claim. After contacting the Department of Education 's Federal Student Aid ( FSA ) Complaint Office, my case has been deliberately ignored for 6 months and continues to be ignored to this day, and no disciplinary action has been taken against Aidvantage for their fraudulent activities against me. The number of the FSA Complaints Office case that I filed is XXXX. The lack of action by the FSA Complaints Office on this case, and their refusal to escalate my case to the FSA Ombudsman, causes me to believe that the FSA Complaints Office is covering for Advantage and protecting them from being held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove it.
Product: Credit reporting

Equifax is showing an installment loan that is closed as open. The account # is XXXX with XXXX in the amount of {$15000.00}. This account shows duplicate as a collection as well with equifax , but that has been handled appropriately. XXXX no longer show this installment loan as open. I disputed this directly with equifax and the account shows as closed in there database. I simply need equifax to report it as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : XXXX : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 60 Day Late Payment Equifax : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear ( XXXX XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Debt collection

They have called my family members in an attempt to contact me re : an unpaid debt and threatened legal action telling me I wrote a " hot check ''. Funds were not available when they attempted to draft the amount, I did not write a " hot check ''.