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

XXXX has refused to send me the requested documents and there has been a security breach in their system Please be advised that pursuant to Section 615 ( b ) of the Fair Credit Reporting Act I am entitled to request, and I hereby do so, full disclosure of the factual information disclosed to you by persons other than Consumer Reporting Agencies, so that I may refute, challenge or dispute its accuracy. The validation system ( E-Oscar ) does not do a lawful validation and verification. I request that a human validate my dispute under the penalty of perjury. 

I demand copies of every document that your agents use to validate the following collections that are reporting on my credit file without my authorization. I did not and do not give any of the following collection companies permission to have my personal information in their database. I do not give them permission to communicate with your company as a third party. I demand that your company destroy all information you have received from the following collection agencies unless you have an written authorization bearing my signature. Which I am requesting a physical copy of in this authorization. Which your company is required to have in your file. 

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 2001 Ind. App. LEXIS 509.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 030762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Method of collecting the debt. Spears v. Brennan
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite providing Experian with the FTC identity theft report, involving XXXX XXXX XXXX ; this Consumer Reporting Agency fails to comply with the law. According to 15 USC 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 resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - A copy of of an identity theft report. Experian was provided this identity theft report and still has not blocked this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$18000.00} ; XXXX XXXXBalance Owed : {$2100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and several accounts and inquiries listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent or authorization, and I am taking steps to resolve the situation.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$150.00} Fraudulent Inquiries : 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 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 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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX  ). Specifically, Cash App failed to take timely and effective measures to prevent and address to 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

My account with XXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. 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 reported in XXXX AND XXXX to be removed. 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 XXXX  days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is XXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ) a federally protected consumer, it emphasizes the necessity of ensuring that consumer reporting agencies carry out their responsibilities with fairness and respect for the consumer 's right to privacy. Notably, Equifax and XXXX function as consumer reporting agencies, with me being the consumer. I assert my right to safeguard my private information, supported by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and protect the confidentiality of nonpublic personal information. 
Under 15 USC 1681, Section 604, Subsection 2, it is specified that a consumer reporting agency may only furnish a consumer report by the written instructions of the concerned consumer. I am now opting out of all authorization I the consumer may have given written, unwritten, verbal, and nonverbal, for the furnishing of my information by financial institutions or consumer reporting agencies, such as Equifax and XXXX. Any consent or authorization given to report my information to a third party is hereby revoked. I am now rescinding that authorization, this is effective immediately and indefinitely. 
Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. I was not informed of this right by the furnisher of information to credit agencies. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information exceeding seven years. The reporting of adverse information without my permission violates this provision.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, no person shall furnish inaccurate information to a consumer reporting agency. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and restrict the furnishing of consumer reports to specific purposes. Equifax and XXXX appear to be non-compliant with these obligations. 
Moreover, 16 CFR 313.1 affirms my right to opt out of reporting services at any time. I am hereby exercising this right and opting out of your reporting services. The law states it is illegal to report my transaction history and ask for the information to be updated to show paid as agreed.
Product: Debt collection

For the past several weeks I've been getting phone calls from Halsted Financial Services. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. The most recent phone call was from XXXX however each call has a different caller ID, but they all start with XXXX. These calls come in several times per day, despite my request to have my number removed from their systems. I hope CFPB is able to intervene to stop these nuisance phone calls.
Product: Credit reporting or other personal consumer reports

I have noticed that I have three collections showing on mine report. I need to have XXXX XXXX XXXX XXXXXXXX. Removed I also need XXXX XXXX  removed I also need XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts ( XXXX XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks!
Product: Debt collection

On XX/XX/year> I disputed a negative item and report on my credit report with the pomelo after they sent my debt to collection agency I requested for the collect agency to see if this was accurate and they failed to do so the collection was moved for credit report XX/XX/XXXX and has now got back on my credit report XX/XX/XXXX.
Product: Credit card

I had XXXX chase credit cards. 

Chase Unlimited - {$800.00} credit limit Chase Sapphire - {$25000.00} credit limit Chase Amazon Prime Card - {$1800.00} credit limit. 

In XXXX I was unemployed and unable to make credit card payments which resulted in getting my cards closed. In XXXX  I got a job and I settled all the card debt and now my credit score has recovered and I am trying to get a new card. It keeps getting declined. 

Can you please help me remove the card entirely from my credit history so i can re-apply and get the cards once again?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent dispute letters to Equifax. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing us to voice our complaints! 

I recently got mortgages refi with Loan Depot. In XXXX I was informed that my loans were transferred to New Jersey and new loan numbers/accounts were created. On XX/XX/XXXX, I called their customer service representative name : XXXX XXXX ) and learned that given the transfer, there is a 60 days plus the regular 15 days grace period to make the payment. 

I then made my loan payments in XXXX that covered both XXXX and XXXX due. And as expected, in the following month statements, there is no late fees or penalties applied since my payments were within the grace period. However, in late XXXX I found out that Loan depot reported my loan accounts as delinquent by indicating that I was late to make my payment for XXXX this resulted a 100 points drop of my credit score!!! I made many phone calls trying to address this issue and it has been extremely difficult to get any help. Multiple people including the supervisors gave me different versions of story. One guy didnt even know that there is a 60 days grace period. They told that there was nothing wrong with my account as no record shows that there was payment late. Nevertheless, they reported to the credit bureaus. 
Its very disappointing to deal with incompetent, unprofessional people who got the consumers credit messed up and deny their misconduct. They were asking me to contact the credit bureaus to dispute while they act like they have nothing to do with this disaster. 
Who has granted their power to manipulate consumers credit report, to be so rude and irresponsible? I told the supervisor that I XXXX have to report to XXXX and other authorities. She couldnt be more indifferent and told me if you wanted to, go ahead. 
Im absolutely shocked by how they treated customers and how low their service standards are. Yet in the endless Phone call holding period, the recorded voice keeps saying : Thank you for calling Loandepot, where customer care is the most important. What an irony!!!
Product: Debt collection

XXXX data Breach I am writing to formally dispute unauthorized activities on my credit cards XXXX **** XXXX XXXX XXXX my concern regarding the recent XXXX XXXX breach that was publicly disclosed in XX/XX/year>. My personal information name, Social Security number, driver 's license number, was compromised in this breach. 

Since the breach, These incidents have caused significant distress and potential harm to my financial standing and personal security. 

I request the following actions to be taken immediately : **Investigation and Resolution**

: Conduct a thorough investigation into the unauthorized activities associated with my account and provide a detailed report of your findings. ** Account Security** :
Ensure enhanced security measures are applied to my account to prevent further unauthorized access.

**Compensation and Support** : Offer compensation for any financial losses incurred due to the breach and assistance in resolving any issues related to identity theft. 

Please acknowledge receipt of this letter and provide a response detailing the steps that will be taken to address my concerns within 14 days. 


Thank you for your immediate attention in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit card or prepaid card

In XXXX of 2015 Chase Bank put a 30 and a 60 day late payment on my account. This was a business account that was supposed to be closed in XXXX but due to some charges after our business closing which should have been denied, the account got charged and became active again. We closed the account because we had closed the business, and since the business did not exist at the location anymore we did not receive any mail or bill so that we could pay this off on time. In XXXX when I went into the bank I was told that I had this negative balance on this card which is now closed due to non payment and I started to pay the balance back down. I have been a long time Chase customer and have never had any issues with any payment and would request that this late payment be taken off my history. This has been affecting my credit history and holding me back and has greatly affected my credit score.
Product: Checking or savings account

I deposited 2 checks via mobile deposit ( first time doing so ) on XX/XX/. Both were from my parents for XXXX XXXX. Chase put a 10 day hold on the checks, I was going on a XXXX XXXX and needed cash sooner. I called Chase, at which point their representative instructed me that I could cash the checks with the original banks and the deposits would simply bounce from Chase. I asked multiple times on a recorded line if there would be any issue with Chase on this end, because understandably it appears as fraud. I was told 'No penalty on Chase 's end ' more than once. Subsequently they closed my account. This was over a month ago. I was not made aware of the closure and wasn't able to change my direct deposit information because I was unaware of the closure. They have since withheld funds from me, told me they had mailed me my remaining balance, then cancelled the funds. They still have yet to give me one check, two payroll checks and my remaining balance. This has caused late fees, impacted my credit score and ability to finance a certification required for my job.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for inaccuracies present on my credit report. On XX/XX/XXXX, I initiated contact with Equifax to dispute certain information that I believe is erroneous. Regrettably, I have not received any communication or resolution from Equifax as of today 's date. Below are the specifics of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} I am formally requesting Equifax to validate the accuracy of the XXXX XXXX  account details. The reported balance of {$990.00} appears to be inaccurate, as I believe it should be a lesser amount. Furthermore, considering that this account is closed and charged-off, the inclusion of a Past Due amount is inappropriate. I kindly urge Equifax to designate this account as disputed while I am in the process of addressing the dispute with the creditor. Additionally, I require Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} The XXXX account necessitates scrutiny due to the reported balance of {$7900.00}, which seems to be higher than what I recall. Since the account is labeled as closed, the inclusion of a Past Due amount is unwarranted. I believe it could be beneficial to directly address this erroneous data with the creditor. I am resolved to promptly take this course of action, though I require Equifax to designate the account as disputed while I work towards a resolution. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account bearing the name XXXX is not mine, and I formally request Equifax to promptly eliminate it from my credit report. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Similarly, the account identified as XXXX does not belong to me, and I request Equifax to expeditiously remove it from my credit report.
Product: Checking or savings account

I deposited a cashiers check for {$15000.00} into my Wells Fargo checking account on XX/XX/23. At the time of deposit, the teller called XXXX ( the institution that issued the cashiers check ) I was told that it was above their limit of {$5500.00} so they would have to put a 24 hour hold on it, and that after 24 hours ( on XX/XX/23 ) {$5500.00} would be released, and the remainder would be released around 4 days later ( on XX/XX/23 ). 

On XX/XX/23 I went in to make a small withdrawal and they said that the deposit was now on hold until XX/XX/23. They said they didn't have a reason other than that I needed to contact the bank who issued the cashiers check. 

I contacted the issuing bank and they confirmed there was no issue on their end, and the funds had been sent to WF.

WF refuses to release the funds and their only explanation ( that there is a problem on the side of the issuing bank ) is demonstrably false.