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

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent items, along with my statement ).
Product: Credit reporting or other personal consumer reports

I did send the mail and complain with cfpb, I asking about 1099 C charges off for all account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But I dont see any 1099 from send to me. Remember : As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary Income. Income does not get reported in the consumer report. By Definition, the IRS clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 says you, you are a furnisher of information to a consumer reporting agency. Therefore, you are prohibited by law to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/inaccurate information immediately.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App. ( block, Inc. ) due to inadequate customer service and unfair practices, which violates 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 ) Regulation E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Checking or savings account

This is an update on complaint XXXX against SunTrust mortgage/Truist Bank . We have now received our telephone bill - and despite being given a list of free fone numbers, ( following our annoyance at having clocked up over {$60.00} of telephone call charged ) by Truist bank agents NOT ONE is actually free - as a result we have now been charged a further XXXX = {$170.00} approximately and still have yet to receive the balance of our account which was completely changed without our knowledge nor consent by Truist bank. 
Truist bank is not functioning as a customer friendly unit!! 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a foreign national, and my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in English, but I am providing the necessary information. Can you assist me? These accounts do not belong to me ; someone has used my information. Could you please remove them? Here are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I spoke with a representative from the HSA bank asking for a new HSA debt card. I was told my ex-husband was an authorized user on my account. I told the rep this is not possible because I removed him two years ago when he hacked into my account, without me being notified by the HSA bank and took money from my account without my authorization. HSA bank claimed this was resolved. In XX/XX/year>, my ex-husband was able to gain access to my HSA bank again, even though security measures were taken place or so I thought. I again was NOT notified. My ex-husband then hacked back into my account on XX/XX/year> and transferred money electronically to a an external back. The bank that was used, was not found after I filed a police report. When the HSA bank contacted the bank that my ex-husband used, they claimed there was no money in the account and I would not be reimbursed. My account was not flagged when transactions were made at XXXX XXXX XXXX XXXX  or minutes apart for amounts of XXXX or XXXX dollars and NOT for medical use. My ex-husband was able to send himself a debit card with a new address again not authorized by me. HSA bank refuses to help me. I have an autistic son and I am not able to pay my medical bills. I have been waiting on a new HSA bank account number and due to the amount of time I have had to wait, my bills are going to collections. I have filled a police report on this and there is a warrant out for my exhusband 's arrest and HSA bank still refuses to help me. My exhusband tried to link a bank account again in XX/XX/year>. He was able to make 22 transactions. I was never notified by HSA bank. HSA bank also claims that all inquiries need to be made within 60 days, but again I was never notified. HSA is not a secure bank and hackers are able to easily access. My exhusband is a drug addict and was able to get into my account. This is unacceptable. I am not able to pay my medical bills and the HSA bank does not care, nor will they help .I want to file a formal complaint against the HSA bank and I would like action to be taken against them.
Product: Credit reporting or other personal consumer reports

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Mortgage

I closed on my mortgage with XXXX XXXX  on XX/XX/2022. I paid {$2100.00} into my escrow account at closing. I made my first mortgage payment to XXXX XXXX  on XX/XX/2022 which included my {$470.00} escrow payment. XXXX XXXX  subsequently sold my Mortgage to BSI Financial. XXXX has told me they sent my {$2600.00} escrow balance to BSI Financial effective XX/XX/2022. BSI Financial has told me they only received {$2100.00} for my escrow account and refused to look into my missing {$470.00}. They told me to contact XXXX and provided no assistance. XXXX said they would investigate the issue, but I believe it should be on the loan servicer to make sure the loan is being serviced properly and to investigate issues I bring up to them.
Product: Credit reporting or other personal consumer reports

Please remove all 3 consumer dispute for these 3 accounts. I already paid for them. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX Thank you for your help
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the accounts listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance.
Product: Checking or savings account

XX/XX/XXXX my account was hacked. I called them right away and told them 2 transactions at XXXX XXXX XXXX XXXX XXXX one for {$890.00} and {$120.00} were not made my me. Since I was at work in XXXX, Tx. They turned the card off. Since it was a Saturday they told me to go in on Monday to file the dispute. They also told me there was another purchase pending for XXXX  for {$360.00} that I couldnt see on my mobile app. Monday morning I go to XXXX XXXXXXXX XXXX tell them what happened and to stop transactions in or out of the account. they looked at the account and told me that the XXXX fell off and that the 2 charges for XXXX XXXX were going to hard post at XXXXt and come back tomorrow. Went on that Tuesday and filed the dispute. Was told that someone would call me in a couple of days. No one called so I went back on Friday. They said it would take up to 2 weeks. Waited until XX/XX/XXXX went to a different branch she looked it up and said my account was flagged as critical bc they did not have me sign the dispute, but no one contacted me to come sign it. She told me she was glad I came in bc the dispute was going to be cancelled the very next day. She printed off another one and had me back date it to the original date it was disputed said they had up to 90 days to investigate. But normally only too 2 weeks. Checked on my account this morning and there were 29 NSFs on my account. Called, waited on hold for 35 minutes explained what happed she asked where I opened the account and they would get a hold of the branch manager. She said he wasnt available. Went to that location on my way to work asked to speak to the branch manger and to close my 3 accounts. Was able to close 2 but the one with the dispute was negative and couldnt close it. I told him the account wouldnt be negative if they would of given my funds back that I had disputed and stopped the transactions from when I asked them in the first place. To add, when they merged with centennial bank in XXXX I wasnt able to see my second business account for 5 weeks, log in or do any achs. So regardless, I want my funds returned to me, those 29 nsfs dropped from account and close my that last remaining account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE duplicate CFPB complaints reported. XXXX, XXXX, XXXX. 


THIS IS FOLLOWING THE ADVICE OF THE ATTORNEY GENERAL. 

PLEASE MAKE THIS PUBLIC. 

THIS IS A CONSUMER VIOLATION. 

THIS ACCOUNT CREATES NEW INQUIRES ON MY CREDIT REORT DAMAGING MY CREDIT REPORT PLS SEE ATTACHED DATES AND CONSUMER FILE. 


A consumer can not add account once it has already been deleted and remove sold or acquitted No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods XXXX other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists. 


They have violated consumer law please see attached.
Product: Debt collection

I am writing to dispute the fraudulent account that has been erroneously listed on my credit report. It has come to my attention that there is a fraudulent entry on my credit report, and I demand its immediate deletion. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Summary : This complaint concerns XXXX  previous inaccurate and misleading reporting of my auto loan ( # XXXX ), which, while now removed, caused substantial financial harm and emotional distress. Their violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) have harmed my creditworthiness and caused unnecessary stress. I am seeking damages for the harm caused and request CFPB intervention to ensure accountability. 

Details of the Complaint : 1. Previous Inaccurate and Misleading Reporting XXXX reported inaccurate late payments, repossessions ( R ), and charge-offs ( CO ) to my credit report from XXXX to XXXX. These reports were : Unsubstantiated : XXXX failed to provide documentation to verify the accuracy of these entries. 
Misleading : Repossession and charge-off entries were reported repeatedly over several years, creating an unfair impression of ongoing delinquency. 
These practices violated FCRA ( 15 U.S.C. 1681e ( b ) ) standards for accuracy and TILA ( 15 U.S.C. 1666b ) notice requirements.

2. Failure to Substantiate Reporting During Disputes Despite my disputes, XXXX failed to provide documentation to substantiate : The validity of reported late payments. 
Proper notice of delinquency or repossession, as required under TILA ( 15 U.S.C. 1666b ).

Their failure to substantiate this information violated both FCRA and TILA. 

3. Harm Caused by XXXX Actions Financial Harm : The inaccuracies damaged my credit score for an extended period, resulting in : Higher interest rates on loans. 
Denial of financial opportunities. 
Increased financial burden. 
Emotional Distress : The prolonged reporting errors caused significant stress and frustration, as I was forced to repeatedly dispute incorrect information and deal with the consequences of a damaged credit profile. 
Legal Precedents Supporting My Complaint : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit furnishers must verify disputed information and ensure accuracy.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXX XXXX XXXX ) : Misleading and unverifiable information must be corrected or deleted. 
Guimond v. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Consumers can recover damages for emotional distress caused by FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by Westlake financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using Westlake financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that Westlake would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXX **** {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXXXXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.