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

I am writing regarding your letter dated XX/XX/year>, in response to my previous correspondence disputing the late payment information reported on my consumer credit report. I would like to address the issues raised in your response and reinforce my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. In addition to the 15 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I'm reaching out because XXXX is helping XXXX XXXX put incorrect information on my credit report related to the account below XXXX XXXX XXXX XXXX XXXXXXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 

According to 15 USC 1681 s-2, XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, l 've shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
IRS referral is XXXX. 

Please delete this incorrect information from my report immediately. 
Thank you,
Product: Debt collection

While reviewing my credit report, I noticed a collection account in the amount of {$810.00}. I have attempted to write the company to validate this debt but has note received a response. I have proof that the company received my certified letter on XX/XX/2020.
Product: Credit card or prepaid card

I received a marketing code from capital one. I applied, and was approved. My card was sent out, but was restricted then subsequently closed because capital one had a " glitch '' in their system that sent the same code to over 20,000 people. Capital one 's response was to close all the accounts saying that customers used invitation codes that were meant for someone else, but the code was n't tied to a particular social or the approval, MY credit was pulled, and I was approved based on it, but because of THEIR error, my account was closed.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX data breach below in the attachments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Child support XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 SECTION 602 A State I have right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate its lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 39 financial loss, and I seek appropriate redress ( 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not yet received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

my auto loan account with USAA credit union has been reported as 30 days pass due, which is inaccurate. 
Date : XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I noticed an account that was not reporting correctly. There are XXXX late payments being reported that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this report on XX/XX/year>. I'm now requesting you investigate this account and update these accounts as paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit XXXX15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Debt or credit management

Lexington law XXXX XXXX last four of social XXXX. Services that were promised didnt reflect on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notification from Transunion for an inquiry made by XXXX XXXX ( see attached snapshot ) but without any contact details. I have never heard of XXXX XXXX nor did I give anyone permission to make said inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

In XXXX I applied for a modification of my mortgage for two reasons. I was divorced and needed to remove my ex-wife name from the loan and I needed assistance with a lower mortgage payment. When I contacted Ocwen, I notified them of what was needed per the court order. The informed me to send in my divorce decree in which I did. Once they received the documents and reviewed them, I was approved for the modification. The modification documents were sent to me in the mail and I was the only person to sign the new loan documents. 

In XXXX my loan was transferred to PHH Mortgage and the payoff/transfer showed on my ex-wife credit which alerted me to her name still attached to my mortgage. I contacted PHH and they are telling me that the modification did not remove her from the debt. 

The main reason for the modification was because of the divorce and I was told her name would not be attached. I am now being asked to sale the house because I could possibly be in violation of a court order in which I did what I was supposed to do. 

I just need the mortgage company to make me the only guarantee on the loan and remove her name. With her name on the account, she has access to ask any questions and review any documents at this time. I have not been able to resolve this after several conversations with people overseas.
Product: Credit card

I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies the cardholder 's liability is limited to the outstanding balance minus the value of the fraudulent transactions when the issuer is notified. I do not consent to any past or future payments being applied for the fraudulent charge. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charges. However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions on their credit card accounts.

American Express Case XXXX FTC Report number XXXX FTC Identity Theft Report XXXX XXXX  Complaint ID : XXXXXXXX XXXXXXXX report ID XXXX XXXX report ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified request to all 3 bureaus to remove old or inaccurate information ( certified number XXXX XXXX XXXX XXXX XXXX ) I did not get a response. On XX/XX/2022 I sent a failure to respond to deletion/correction letter and have still not obtained a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX XXXX. Experian credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit Report, the incorrect information are still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have repeatedly requested information from Nationstar regarding their alleged right to service my mortgage. I have sent numerous validation requests, QWR 's, as well as letters to the CEO regarding the inconsistent, misleading, and disturbing information I have received from Nationstar. I have several documents from Nationstar with claims that they are servicing this mortgage for different entities at the same time. As a consumer, I have the right to make sure that I am paying the correct entity who has the right to collect. I have made numerous phone calls to Nationstar and each time I receive different information. It is no secret that there is rampant mortgage fraud going on in this country and I am trying to protect my family becoming victims to this fraud. Nationstar has also charged my family monthly for inspections that were never done. They refuse to correct or explain why we were charged for inspections. My latest request for information was sent to Nationstar CEO XXXX XXXX hoping that he could shed some light on the misinformation coming from his company. During calls to Nationstar they mislead consumers as to whether they are a debt collector or not. After repeated questioning about why they state " At times Nationstar may act as a debt collector '', they reluctantly indulge that they are a debt collector. This is very misleading to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the furnisher XXXX XXXX dated XX/XX/XXXX regarding the negative items reflected on my account. I've mailed debt validation date XX/XX/XXXX and method of verification letters dated XX/XX/XXXX to the 3 bureaus. I received a statement from XXXXXXXX XXXX dated XX/XX/XXXX that this account was already sold last XX/XX/XXXX. 
Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons
Product: Debt collection

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with NATIONWIDE RECOVERY SV for them to have obtain my personal information or medical records. In fact NATIONWIDE RECOVERY SV this is an violation of 15 USC 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 USC 1302d-9 ( b ) ( 3 ) HIPPA Privacy. By NATIONWIDE RECOVERY SV obtaining my personal information and medical records with out my consent have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt NATIONWIDE RECOVERY SV has furnished to my consumer 's reports.
Product: Checking or savings account

Yesterday, XX/XX/XXXX at approximately XXXX, I used my ATM card ( Chase Bank ) to deposit {$60.00} into my personal checking account ( ensuring, that my check # XXXX in the amount of {$59.00} " cleared '' ). However, I learned that my account was unlawfully in the negative leaving a - {$43.00}. Previously, I have informed the Chase Bank representatives and Manager in the Collection Department to CEASE and DESIST their unlawful and discriminatory practices concerning my personal checking account ( monies ) ; however, their unlawful practices towards me and my personal checking account have continued. I spoke " again '' with the Chase Bank Collection Department Manager, Supervisor 's and Representatives requesting, that they CEASE AND DESIST any and all withdrawals from my " personal '' checking account ( to pay for another consumers issue 's with them ). However, the Chase Bank Representative 's REFUSE to comply ; therefore, violating the XXXX Compliance Guide for Banking and my CIVIL RIGHTS ( based on my previous complaints and my XXXX status ). I am " again '' requesting ( via this complaint ) that Chase Bank REFUND all of my monies unlawfully deducted from my personal checking account ( transferred for another consumers debt with them ). All supporting documentation will be faxed to the CFPB. Any and all personal and private information accompanying this complaint is to be kept with the CFPB and is NOT to be published or sold by Chase Bank or their subsidiaries!
Product: Credit reporting or other personal consumer reports

I requested my credit report on-line on XX/XX/year>. I noticed on the report that Experian has over XXXX inquiries on my report. According to the dates besides the inquiry they are accessing my credit file what looks like every XXXX days. I have no credit in terms of revolving accounts nor do I have any installment loans just a couple of erroneous collections which was why I began my efforts to secure my credit in the first place. 

I couldn't believe what I was seeing coupled with what is the reason you as a " warehouse of people 's credit '' need to pull someone's credit file almost every day? The aggreges overtones to their actions was they were not given authority to be doing this and I would be honored to know why. These kind of practices can and will suppress one 's credit score and surely prevent a consumer from securing any new credit. 

I have been trying to contact them for the last few days but as you know they're pretty insulated when it comes to actual customer service. I've been denied credit for the last XXXX years from what I can remember and until the other day never requested my credit file. Please help me, Experian is a very big company.
Product: Credit reporting or other personal consumer reports

I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, Experian, and XXXX are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( XXXX ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the Equifax data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX  XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Credit card or prepaid card

I CONTINUE TO HAVE DIFFICULTIES WITH THEIR AUTOMATED PAYMENT PROCESS AND EXECESSIVELY LONG WAIT TIMES TO SPEAK TO SOMEONE. To boot when they try to contact me they either call as an UNKNOWN which I never answer but they will say they have made attempts to call and were not answered. They evidently also use deceptive practices sending voice mail stating they are another Bank received a voice mail XX/XX/XXXX XXXX XXXX XXXX stating they were XXXX XXXX-I checked it online it come up as scam- when I call I get an automated pay process. I do not know why the call? I believe all accounts are paid up to date.
Product: Student loan

Called Discover on XX/XX/XXXX for the payoff amount was told it was {$18000.00} and within the 120 day deferred interest period until XXXX. I clearly asked if the loan is paid off by XX/XX/XXXX the amount will be {$18000.00} or original loan amount $ XXXX payments and was told YES repeatedly. 
Called today XXXX to pay it off and was told it was {$18000.00} and that interest was not deferred?
Product: Credit reporting or other personal consumer reports

On XXXX I sent IC System a conditional acceptance offer letter in attempt to settle a matter regarding an alleged debt. IC System has not responded to my conditional acceptance offer and it has been more than 30 days. In addition IC System failed to mark the debt as disputed in accordance to 15 USC 1692e ( 8 ) and continues to report this account to consumer reporting agencies without providing proof of an obligation under Arkansas Code 4-59-101 ( a ) 2 ), and IC System has violated 15 USC 1692g ( b ) failing cease collection activities after receiving a written dispute.