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

Original letter sent via certified mail on XX/XX/year> requesting a cease and desist and consent of privacy while investigating account. Notified them they had 30 days to provide information ( original contract, account number, etc ). There was no response. I sent another certified mail on XX/XX/year> stating to remove the account because it had been over 30 days and no response was sent. I received a letter dated XX/XX/year> with debt validation and response that letter they received was dated on XX/XX/year>. I sent my final letter on XXXX asking to cease collection activities, remove negative account credit reporting, and to provide confirmation. All letters have been sent certified mail with signature request.
Product: Checking or savings account

On XXXX the XXXX 2022, I deposited a check for XXXX dollars to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. The teller informed me that the bank was going to hold my funds for XXXX business days. 
The receipt I was given states that the hold is the result of my having overdrafted my account multiple times in the last XXXX months. I called the branch I made the deposit at the following morning on the XXXX and spoke with XXXX XXXX. I asked if some portion of the funds could be released and XXXX XXXX explained to me that no portion of the funds will be released until the XXXX of XX/XX/2022 and nothing could be done. I looked through my bank records and found XXXX overdraft that was a result of my having insufficient funds from XX/XX/2022. XXXX XXXX told me that the hold was a result of the bank the check was drawn on and not because of my overdraft. 
I worked hard for my money and was depending on it for the care of my family and the purchase of XXXX gifts. The idea that a bank will hold my money to punish me and my family because I can't afford to save money is reckless and immoral. This decision by the bank has ruined XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX/ ACCOUNT # XXXX has violated my consumer rights. 

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.
Product: Checking or savings account

XXXX closed my personal account ( checking, savings, youth, investment ) without giving me a warning or reason why they closed it They told me that thay they will mail out a check of my balances within 10 days but so far I didn't received it This is unheard of, why don't they give me back my money right away? I went into the local bank and no one was able to help me with that And how can chase get away with this? 
Closing accounts for no reason.?
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

I would like to initiate an investigation into these accounts, as there appears to be an issue with their accuracy on my credit report. They were removed in the past but have been re-added without my awareness. I did not receive any notification or correspondence about their return.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding the unverified and unauthorized negative accounts listed on my credit report. Despite my repeated efforts to dispute these incorrect items, they continue to be reported, causing significant distress and inaccuracies in my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX Acct # XXXX XXXX is inaccurately reporting a balance and past due amount of {$900.00} on my credit report for an account that has been charged off and resold to another creditor.
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 a timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX and # XXXX has violated my rights. 
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 Agency Can not Furnish an Account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.
Product: Checking or savings account

In XX/XX/2023 I was contacted by Bank of America by email that my account was XXXX. There should have been well over XXXX in my account. I immediately logged into my account and realized my account/XXXX XXXX was as XXXX. I also called and filled a XXXX  claim as I was out of the country and I hadnt authorized any of the XXXX that caused the account to be overdrawn. After XXXX weeks went by and I hadnt heard from Bank of America I called again and learned a claim was never opened originally when I called in XXXX. This time a claim was opened and immediately closed stating XXXX XXXX XXXX XXXX to file. I immediately called and disputed and had the claim reopened. This time Bank of America took well over the XXXX days to investigate and upon calling at day XXXX they denied my claim again. I called back to ask why, they stated that I logged into my account in XXXX prior to filing a dispute so the claim was denied. Obviously Bank of America is in violation of XXXX regulation XXXX and XXXX XXXX  regulations. Ive sent Bank of America XXXX documents proving I never made these transactions and no one was authorized to make purchases on my account. Bank of America refused to investigate this matter and not within the regulated XXXX day time period.
Product: Mortgage

Shameful business practices and customer service. For the past six months I have been trying to pay my mortgage on time and within their grace period, and every month their website mortgage login system is not functioning. When I call them or email them to correct the issue ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) they claim they are updating their website. Paying through there automated phone system is just as bad as it does not register the account number that I input over the phone. All of this has resulted in late fee charges of over {$80.00} that are a result of their systems! With no appeal or arbitration system in place, they expect me to pay the late fees without question. With no information as to how and when they will fix the issue, I remain in constant fear they will continue to add late fees without justification. More than 30 other MB Financial customers have experienced similar problems with their customer service and practices as you can see by the link. ( XXXX XXXX XXXX XXXX ). Thank you for taking the time to review my claim.
Product: Debt collection

I have an outstanding debt with M & T bank and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( XXXX XXXX XXXX ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I attest that I am a victim of trafficking for purposes of Section 605C of the Fair Credit Reporting Act ( FCRA ). I have attached all documentation that has been provided to me regarding this confidential matter. Please follow the FCRA laws and block the attached information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding EQUIFAX refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : XXXX I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a statement, dated XXXX XX/XX/XXXX, with a balance {$4600.00} minimum due payment of {$120.00}. Next statement, dated XXXX XX/XX/XXXX balance {$4400.00} with a minimum payment {$120.00}. For the past several months I have received statements with minimum payment due {$130.00} with a balance due {$4300.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of {$4300.00}. 

I have contacted XXXX where I make my online payment regarding my concerns about my monthly payment statements. When I make contact with there customer service staff, I am told that minimum due payments are set by AAFES. I contact AAFES I get a different response. AAFES says, I have to make a larger payment for my due payment to decrease. I call AAFES again, then I am told by a different customer service staff that I have to make more purchases to decrease my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provide Experian proof of incorrect entries on my credit report. Experian is removing incorrect information from my credit report and re-adding it. I paid XXXX in full. Experian remove it from my credit report and now is reporting is as a negative transaction on my credit report.
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 : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/year> LVNV FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist of Unlawful and Harassing Communication Dear Sir/Madam, I am writing to formally demand that LVNV FUNDING LLC immediately cease and desist all forms of communication regarding any alleged debt that I do not acknowledge as valid. 

Despite previous efforts to resolve this matter, your company has continued to contact me in an unwarranted and harassing manner. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq. 

Effective immediately, I demand that all further communication from LVNV FUNDING LLC or its agents to mewhether by phone, email, or mailbe treated as harassment and reported to the relevant legal authorities. I reserve the right to pursue legal action if this request is ignored. 

This letter serves as formal notice of my demand. I expect written confirmation within 10 days that LVNV FUNDING LLC has received and processed my Cease and Desist request, and that no further contact will be made unless through legal representatives. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting that i am late on payments wgen we have settled the account.
Product: Student loan

I'm enrolled in the PSLF program, mi servicer is XXXX XXXX. I have a rental property which I always declare in my taxes. Last year I have to fix the fence and the roof. Both expenses can not decrease the income but have to be added as a property improvement and then use the amount for depreciation purposes. The amount was $ XXXX ( the tax return shows this amount ) which I can not deduct as a business expense, making the income higher that it should be for that year, On top of that, I didn't have the money to pay for it so my wife took money out of her retirement account to cover for the expense, also creating a higher income for that year if we use the adjusted gross income from the tax returns. 
I called several times and talked to a loan counselor and they told me they are not tax experts and can not adjust the gross income from my tax returns. They asked me to send pay stubs instead of the tax returns however, if I send pay stubs it will not show my rental income which is usually a loss. 
I really need some help here making my service provider adjusting my tax adjusted gross income adequately.
Product: Credit reporting or other personal consumer reports

I have a GM FINANCIAL inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 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 ( File No. 2025-CFPB-0002 ) 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. This is the account that I have mark as inaccurate entitled CMG Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX this is not my address on my credit report nor has it ever been. Experian has wrong address created that are not my address or belong to me in my name. 

It makes no sense of wrong information of address that have not ever been mines and have multiple address showing or created.
Product: Debt collection

I, received a letter on XX/XX/2022 from A collection agency CREDIT COLLECTION SERVICES, stating that they were trying to collect a Debt for XXXX XXXX I immediately called them and talked to a Supervisor by the name OF XXXX XXXX. I explained to him that I had been a victim of Identity thief and that this was not my account. He then explain that he would send me the name of the company, I then requested valadation of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, DEPT OF EDUCATIONXXXXT Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX, DEPT OF EDUCATION/XXXX Account number : XXXX, DEPT OF EDUCATIONXXXX  Account number : XXXX, DEPT OF EDUCATIONXXXX Account number : XXXX has violated my rights. 
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.