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

I have been off of child support since 2010 due to false paternity. Upon doing my own research I read that it is unconstitutional for this to be placed on my credit report because this is not something that was done using my social security number for to have to be reported to any of the credit bureaus. I have filed multiple disputes and upon doing more of my own research this is considered a breach and is a violation of 15 USC 1681. I also read that child support is unlawful and is only in the best interest of the state. I am requesting once again for this to be permanently removed from my credit report because it is causing me to not be able to have my credit ran for important things. If needed I will contact my attorney general
Product: Debt collection

An account for XXXX XXXX keeps appearing on my credit report and keeps making my credit score go down. This is NOT my account. I called the collection agency that was listed and they told me that I had services in XXXX, FL and I told them that I have never lived in XXXX, FL ( where the service emanated from ). I have lived in New Jersey my entire life and I never live in any part of Florida. The amount of the debt is {$750.00}. I also filed a dispute with XXXX and they said they have verified this debt as being correct. I disputed this same account twice before with XXXX and both times they were removed from my account because they were found not to be me and considered to be FRAUDULENT. It is now appearing again on my account and I need it removed. I have sent XXXX information again stating that I have never lived in Florida ( which they also matched against my credit report and verified ) and I have also sent information to I.C. Systems, Inc. who said they would FLAG the account as being FRAUDULENT. I have absolutely NO bills that have ever emanated out of Florida. I really need this permanently deleted from my credit file. PLEASE HELP! Thank you. 

Information : Original Company : XXXX XXXX XXXX XXXX : I.C. Systems, Inc. 
Amount : {$750.00} Date Opened : Can not see those details.
Product: Credit reporting or other personal consumer reports

My loan was sold to a third party company without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
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.

Account Name : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX and list of Inquiries. 

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 s
tates 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 ) ( 1 ) 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: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding the issues I have encountered with my Cash app account, which I have been unable to resolve through their customers service channels. Despite multiple attempts to address the following concerns, I have yet to receive a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was 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 XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX collections agency Filed a adverse report on my credit report stating that I owed money. 
I had send proof that I dont have any debt and also did not owe any company. I had filled out the identity theft report and they still insisted that I owed them.
Product: Checking or savings account

I've had issues with unauthorized debit transaction reported to the bank. They never responded and owe me money
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 an 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 or other personal consumer reports

I opened a XXXX Credit Card to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED ASAP!!
Product: Credit reporting, credit repair services, 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 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 an 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 or 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 ) ( 1 ) 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 or other personal consumer reports

I am lodging a formal complaint regarding discrepancies found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have resulted in considerable distress to me as a consumer. 
I am a XXXX XXXX XXXX XXXX with a long standing professional background in XXXX. My career has taught me the significance of detail, accuracy, and ethical conduct principles that I find alarmingly compromised in my recent credit reports, prepared by Experian, XXXX and XXXX Credit Agencies. 
According to 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. Finding there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I have found copious amounts of inaccuracies all throughout my credit report and each one is a violation. Not to mention, reporting transaction history is illegal.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given written instructions or permission for XXXX, Experian or XXXX to furnish my consumer report and this is a clear violation of the FCRA and an infringement of my consumer rights. 

15 USC 1666b addresses timing of payments and states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore all of my accounts should be PAID AS AGREED What amplifies my concern is the presence of inquires on my credit report that I am not aware of where they come from. P.L 90-321 ( 82 Stat. 146 ) which is law, law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) The repercussions of such inaccuracies and unauthorized information has been profoundly damaging. As a professional with aspirations for personal financial growth, these errors risk my access to credit, housing, and even employment opportunities. The anxiety and time consumed trying to rectify these issues are burdensome and exhausting.
Product: Checking or savings account

My purse was stolen on XXXX. Someone impersonated me and made fraudulent cash back deposits with my license and debit card. 

Two checks for {$3700.00} with {$1000.00} cash back on each deposit were made at two different Wells Fargo bank locations. I received a call from a bank location on their third try.

I filed a fraud with my bank. They returned the checks, but also took the cash back money out of my account in the amount of {$2000.00}. They have yet to return the money, my account will be overdrafted when my mortgage comes out. I was told I have to wait 10 business days.

I went into the physical bank when the fraud department wouldnt help me on the phone. The banker, to no fault of his own, also experienced the same issue. Being routed over and over again with no resolution for going on two hours at this point.

At this moment, Wells Fargo incorrectly debited {$2000.00} from my account and will not return it. All because of theft of my purse and a fraudulent cash back deposit on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance : {$5400.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/XXXXXXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX DPT EDXXXXBalance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX-Balance : {$550.00} - Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Your information may have changed since XX/XX/XXXX View your current credit report Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$8300.00} Highest balance - Terms 120 Months On record until XX/XX/XXXX Payment history Above account I paid by myself/ my own fund- Not Discharged through Bankruptcy XXXX  XXXX. I paid fully from my bank so I am asking Experian to correct this account but they are not correcting this info. I asked them twice to correct it but no action taken by them so please I am asking you to reach out to them to change it. I will really appreciate it. 

Thank you, XXXX XXXX
Product: Mortgage

The bank took my money ( money for principal down payment and XXXX $ foe recast fee ) from XX/XX/XXXX and asked me to do a handwritten letter for my recast. They said they didn't have any forms for recast, and they promised to adjust my payment on XX/XX/XXXX. 
Then they started to play time with us. They sent us another form. They changed time to approve my recast till XX/XX/XXXX because of the document process. They asked us to redo everything again from the beginning. They sent back XXXX $ for the fee and ask us to send back. 
They totally forgot my money, XXXX $ for more than 3 months. How much can a bank earn with XXXX $? They couldn't answer me. One of the supervisor said they didn't touch my money. They just left it there. The world changes every moment. Do you think MONEY does not change? 
Finally, they asked me to get the money back. How come? The bank stole my money. They used my money. And they asked me to get back without any interest. 
I just need a justice for me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

In the month of XX/XX/2022 around the beginning of XXXX JP Morgan Chase sent me a notice in the mail that they would be ending my banking relationship with them on XX/XX/2022 however until then I would be able to use and have access to my account. On XX/XX/2022 a client deposited a check into my business banking account with no Morgan chase for {$130000.00} which was placed on a two day hold by the bank so XX/XX/2022 th funds shouldve been available however on XX/XX/XXXX then bank then comes back and say we would like to do an extended hold for an additional 7 days so XX/XX/XXXX the funds would be available. On XX/XX/XXXX th funds were made available in my account and I was able to resume my business with my client in the process of me having access to my funds the bank allowed me to gain access to my funds once I started to handle my business the bank then comes back around XXXX est time on XX/XX/XXXX and said no we are restricting your account no reason just because we can so you can access your funds! This is the 2nd time they have done this to me! I need my money my business have bills, I have family I have bills I cant do nothing to feed my children or myself if the bank just keeps taking from me! This isnt fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Debt collection

I XXXX XXXX was married approximately XXXX ago to XXXX XXXX XXXX who is a career XXXX XXXX  XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. XXXX XXXX XXXX XXXX ON BEHALF OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : -XXXX # XXXX, -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of in debtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispure inaccurate information on my credit report. The details are as follows : pursuant to section XXXX XXXX XXXX of the Fair Credit Reporting Act. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and experiean continue to report Bankruptcies on my report in which proof were sent to them that they are not verified from the courts and they keep stating the information was verified without proof of how they supposedly are verifying information that in fact is not being verified from the XXXX Bankruptcy courts. So they are engaging into unfair practice of lying to there customers in which can and will lead to litigation. I have tried 3 times to resolve this and all 3 times they just say verified without validation or proof.