23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Since XXXX XXXX, XX/XX/2015, I have unsuccessfully attempted to have an electronic lien removed from a Florida electronic title. Sun Trust Bank has submitted written title releases, but refuses to remove the lien electronically. Due to its failure to do so, I can not obtain a paper title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account 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.
Product: Checking or savings account

I have already filed a complaint, but it was incorrectly closed. Claim # XXXX I have attached a copy of the response letter from Citibank of XX/XX/XXXX XXXX which claims that they have received no response back from the bank of deposit , XXXX XXXX XXXXXXXX XXXX 

But in fact Citibank was mistaken. They had indeed received a response back from XXXX XXXX  XXXX on XX/XX/XXXX. That letter was forwarded to me by Citibank on XX/XX/XXXX. See attached. 

In XXXX XXXX XXXX 's letter to Citibank, they claim that the funds that Citibank had debited from my account had not in fact ended up in the account at XXXX XXXX XXXXXXXX as of XX/XX/XXXX. 

I had alerted Citibank of the fraud on XX/XX/XXXX ( as confirmed in the attached letter from Citibank ) so it appears that the funds transfer was successfully stopped? 

BUT, nine months later and after innumerable telephone calls and letters, Citibank has not credited me for the {$5600.00} that they removed from my account. 

Where are those funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Product: Checking or savings account

Ive had several issues with this regions bank in my personal and business matters i have complaint and made fraud charges and police reports and complaint with the ftc
Product: Money transfer, virtual currency, or money service

Every single cashapp transaction ended up being for a scam. Not only did they nor reimburse me, they wouldn't even give info on the people who did it, which I need for police report
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXX XXXX XX/XX/year>. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/year> at XXXX pm I called Caine and Weiner at ( XXXX ) XXXX, and the woman was very rude, unhelpful and borders on verbally abusive. I called to let them know that I didn't think this was mine and that it was an inaccurate report on my report that I'd noticed. She asked what to verify that my address was what she said it was, and it's not. I told her that's why I don't think it's mine. She started raising her voice and said, " Well, we sent out letters. '' I responded, " well that's not my address so I didn't get them. '' She asked me what my address was and I told her, " that's not why I'm calling today because you don't have the right person, I don't think because it's not my address. '' " She proceeded to yell at me that if it's on my credit report as a debt then it's valid and I need to pay {$51.00} right now. '' She continued demanding money and said that I wasn't going to get it removed, and then hung up on me. I've also spoken with the insurance company directly and they weren't willing to help me or remove it before it went to collections. 

I want this taken off all XXXX credit reporting agencies, XXXX, XXXX, and XXXX effective immediately. XX/XX/year> @ XXXX pm. XXXX XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to contact the Credit Bureaus to correct my Credit Report, it is clear that the Credit Bureaus have have failed to pay heed to my disputes. I previously sent a letter addressed to the Credit Bureaus dated XX/XX/XXXX with complete attachments of my personal information and have waited for them to respond. I have been waiting for quite a long time now and I came to a conclusion that the Credit Bureaus have ignored my written appeals. It is as bright as daylight that the Credit Bureaus have violated the Fair Credit Reporting Act section 605b which states that the Credit Reporting Agencies are required to remove any account and information that resulted due to Identity Theft. I am disappointed to see that the Credit Bureaus have done nothin to correct my Credit Report and continued reporting false information without proper verification. I previously submitted a complaint about this matter and I am submitting this complaint once again hoping that the Credit Bureaus would finally take action and have the disputed items deleted as soon as possible. I need the following items removed from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Early Warning is obligated by the FCRA to report accurate accounting data. The consumer is advising that all the inquiries reported are fraud, Early Warning services have 4 days according to the LAW. to remove such items. An FTC fraud report was filed on behalf of the consumer. Consumer is now requesting EARLY WARNING to provide ALL documentation used to determine inquiry was indeed authorized by the consumer. Early Warning has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report. If Early Warning does not have the documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX XXXX XXXX file number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX. I will be filing for 211 treasury XXXX forms to audit consumer accounts. Early Warning Services is securitizing consumer data yet refuses to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Payday loan, title loan, or personal loan

I notified my XXXX Bank Account when I noticed that a ACH Credit was depoisted in the amount of {$600.00} from a XXXX XXXX XXXX PPD ID : XXXX on XXXX XXXX, 2022. 
I informed XXXX Bank that I did not apply or approve any such loan. 
I requested that XXXX bank return this money to this company. 
XXXX Bank did by doing a Reversal : XXXX XXXX XXXX XXXX debt in amount of {$600.00} on XX/XX/2022. 
I then also contacted National Small Loan to inform them of this action and their fraudulent act and that I'd reported it to my Bank. I did this notification via telephone and by email. 
National Small Loan stated they would forward this concern and resolve matter to appropriate internal dept. 
To this date, I am still receiving harrassing and threatening phone calls/emails as though they never received any monies. 
After I also reported to XXXX who sent me this company 's reply which was to pay them {$600.00} and they would resolve the debt, give them authorization to withdraw from my account to retrieve this {$600.00}. 
They already received this {$600.00} that I never requested, I am certainly not giving them anymore money! 
I've also googled them and found similar if not worse complaints from others -- they are scamming/fraudulent company.
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Product: Student loan

XXXX XXXX, XXXX XXXX, am writing this complaint without any assistance from any third parties. I am requesting the following documents in response to FEDLOAN response to the previous complaint : Please provide an authenticated record that verifies that I gave FEDLOAN consent to share my nonpublic personal information to the consumer reporting agencies. Please also provide an authenticated record that verifies that I gave consent for FEDLOAN to share my nonpublic personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate and unauthorized accounts on my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to TransUnion more than 30 days ago, still haven't heard from them and the inaccuracies are still showing on my consumer report, due to this fact I have been discriminated/denied for several extensions of credit and a mortgage. These inaccuracies on my consumer report are hurting my ability to obtain credit which is my right pursuant to federal law. therefore, I demand for TransUnion to delete all these inacurracies.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This letter is to inform you that I have recently received a copy of my credit report and found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send copies of the documents that you have in your files as of this date that used to verify the accuracy of the accounts listed below. 





Account Name : XXXXXXXX XXXX XXXX Amount : {$6700.00} Account # : XXXX Dispute Reasons : Inaccurate date of last activity please explain your method of validation and provide information on who and how this account was verified as accurate Dispute Instructions : Please delete immediately Account Name : XXXXXXXX XXXX XXXX Amount : {$110.00} Account # : Dispute Reasons : Inaccurate date of last activity please explain your method of validation and provide information on who and how this account was verified as accurate Dispute Instructions : Please delete immediately
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 ), U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, XXXX and TransUnion XXXX  days prior to filing a complaint. I have yet to receive a response.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing due to the negative marks made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that validate it. Based on the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it with your company. I request that you stop contacting me or reporting until the companies can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, there is required documentation that has not been provided.
Product: Credit card

I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report, and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021 I traveled to XXXX for a couple months and was stuck there because of Covid and couldnt come back for several months and I let synchrony credit know I would not be able to pay off this credit card for 2 months which was XXXX and XXXX and they told me that it was fine and they would remove the late charges off my credit report which they did and after a couple months a came back on my credit report and Ive called them and they said they cant do anything about it now