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

I am a victim of identity Theft, exposed in the XXXX Databreach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information in a consumer 's credit report that is a result of identity theft once the appropriate documentation is provided. Additionally, I am aware of the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, which addresses violations of consumer protection laws, further underscoring the need for strict adherence to FCRA provisions in safeguarding consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.
Product: Credit reporting or other personal consumer reports

I am writing XXXX, XXXX and Experian as a concerned consumer to request the blocking and deletion of information on my consumer report due to identity theft, in accordance with 15 U.S. Code 1681c1 and as recommended by the Federal Trade Commission ( FTC ).

I have recently become aware that there is information on my consumer report that is a result of identity theft. This information does not pertain to any transactions made by me as the consumer. My request to block this information is not being made in error, and it is not based on any material misrepresentation of fact by me that is relevant to the request for blocking these identified transactions. 

I kindly request that you take immediate action to rectify this situation by blocking and deleting the information related to the identified transactions, as per the law and FTC recommendations. It is of utmost importance to me that this fraudulent information is removed from my consumer report, as it is affecting my financial well-being and my ability to engage in legitimate financial transactions. 

Enclosed you will find copies of documents supporting my claim of identity theft. I would appreciate your prompt attention to this matter, as well as your confirmation of receipt and action taken within the timeframe required by law. 

Correct Name : 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 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 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

The company points out in a prior complaint a settlement and the details of the settlement but fails to acknowledge that the account turns to income once charged off. The account was charged off on XX/XX/XXXX. After the settlement balance was paid there was a 1099c issued XX/XX/XXXX with a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. The account status is no longer debt but INCOME. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income DOES NOT get reported on a consumer report which is why the account needs to be deleted. XXXX XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer when charged off. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. I've been very direct in pointing out how the company has violated the FCRA. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. Delete the account from my consumer report.
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. 

JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have been contacting Experian to request that it block adverse accounts resulting from XXXX XXXX pursuant to 15 U.S.C. 1681c-3 ( b ) and 12 C.F.R. 1022.142 ( e ) ( 1 ). Every credit and specialty reporting agency has blocked the negative accounts except for Experian, who has created overbroad criteria to deny me. I have included evidence with this letter, which shows other agencies promptly blocking the adverse accounts upon submission. I should note that these agencies possess identical documentation to Experian. This further proves my claim of Experian discriminatory and unjust actions towards me and my unfortunate situation. 

The Supervisory Highlights that your office published in XX/XX/XXXX indicated that certain CRCs are still violating Regulation Vs human trafficking requirements, effective as of XX/XX/XXXX, by failing to block information identified by the consumer within four business days. In response to these findings, your office has put CRCs on notice to revise their compliance processes to ensure that they process all human trafficking block requests in accordance with the requirements of Regulation V. It appears that this was not the case, as I, along with many others, continue to be trapped in negative credit reporting.

The validity of my trafficking documentation is still being questioned by Experian. When the representative from the agency refuses to provide confidential information regarding my case and health information, Experian use this as an excuse to decline my request. Experian should not be making calls to further expose my situation to any individual who answers the phone when they have no authority to do so. Experian discriminatory and willful actions to violate the law have jeopardized my life, as I am unable to secure a new residence and capitalize on other credit opportunities to reconstruct my life. 

Despite my exhaustive efforts to date, Experian has nonetheless deliberately, willfully and negligently failed to block accounts relating to Human Trafficking as required by the FCRA. I am kindly requesting the assistance of CFPB ( Office of Enforcement ) in order to hold Experian accountable for their actions should anything happen to me, as they have prevented me from being able to move and have placed me in a position of significant danger. 

In order for Experian to process my block request, I have submitted all of the required documents for the CFPB to review. Experian is not authorized or justified to deny my request in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have multiple fraudulent accounts on my credit which I would like to be deleted. 
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 or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Ser XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Co XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

RE : Confirmation # XXXX CFBP Complaint ID XXXX To Whom It May Concern, The information requested in my previous complaint was not provided under 15 U.S.C. 1681a ( e ). Equifax has shown negligent noncompliance by choosing to omit certain procedures required during the re-investigation process of my report. Provide a detailed list of all personal interviews with neighbors, friends, or associates of the consumer or delete all disputed items from the file of the consumer within fourteen ( 14 ) days of receipt of this notice. If Equifax does not comply with my demands, further legal action will be taken. See list of disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.
Product: Mortgage

The bank keeps dragging there feet with documents. Every XXXX weeks they seem to have another document that expires. So it starts the whole documentation process over and it has become very uncomfortable with an auction date of XXXX XXXX on my home. I really need help, i had someone at XXXX contacted by the CFPB and that helped but now that is not really helping any more. I do not know what to do about this any longer. My consumer advocate at XXXX contacted me on XXXX/XXXX/XXXX and notified me i was in final review and they no longer needed papers. The same day they are now claiming underwriting issued updates needed on XXXX documents, i think that is ridiculous. This is the XXXX time they did this to me, the XXXX time was in late XXXX XXXX. Please help.
Product: Credit reporting or other personal consumer reports

Ive pulled my credit report Both on your website as well as XXXX XXXX and have found some inaccurate information that requires removal. I have a new employment opportunity coming up and I know they'll pull my credit report and this false information will hurt me. 

( XXXX XXXX number XXXX ) I was not late on XX/XX/year>, which is reported as 30 Days late on XXXX, XX/XX/year> on Experian, and XX/XX/year> XXXX. Remove this late payment for inaccuracy and update to paid as agreed. 

I have never been late on any payment and would like this updated to paid as agreed.
Product: Checking or savings account

Subject : Unauthorized Transactions and XXXX Swap Fraud - Request for Assistance Details of the Incident : Background : I received a text notification, purportedly from XXXX, regarding a late payment on my account. The text included a link that directed me to make a payment via a phone call. 
During the call, the representative ( who I believed was from XXXX ) had access to my recent payment history and debit card information. They asked me to confirm my card details and authorize a payment to bring my account current, which I did. 
Fraudulent Activity : Immediately after the call, I received XXXX suspicious transaction notifications from my bank, indicating payments being sent to XXXX. 
Before I could act, my phone was disconnected from XXXX network due to a XXXX swap fraud, indicating that my personal information was compromised. 
Banks Response : My bank notified me of XXXX suspicious transaction attempts, of which XXXX were approved in the amounts of {$820.00} and {$910.00}. When I reported this as fraudulent, Bank of America immediately discredited the claim, calling it a scam, not XXXX. Then I was told that my issue was with XXXX. I asked why Bank of America chose to approve XXXX of what they considered suspicious transactions. I was told they could not answer that. I pressed that the transactions were fraud and asked BOA to investigate as a XXXX. They tried to talk me out of my request 3 times, explaining how they were sure the transactions were a scam and I would not be successful with my fraud claim. Now Bank of America Is not crediting the {$820.00} and {$910.00} fraudulent back to my Checking account, leaving me without then money to pay my bills. 
Desired Resolution : I request the CFPB to assist in reviewing my case and help in recovering the unauthorized funds. I believe this is a clear case of fraud and that my bank should reconsider their decision based on the evidence of a sophisticated scam involving XXXX swap fraud and unauthorized debit card transactions. 
Supporting Documentation : I am prepared to provide all relevant documentation, including the fraudulent transaction alerts, communication records with XXXX, and my bank 's response. 
Conclusion : I appreciate the CFPBs assistance in resolving this matter and ensuring that I am not held financially responsible for fraudulent activity.
Product: Credit card

I have XXXX Discover credit card accounts : XXXX and XXXX. These accounts have been open for XXXX and XX/XX/XXXX years, respectively. Approximately 12 months ago I accepted an offer for a balance transfer, where I would pay a " transaction fee '' in exchange for a certain number of months atXX/XX/XXXX% interest. If there is a balance remaining at the end of the XX/XX/XXXX% term, then Discover will charge me interest at the standard account rate ( exceedingXX/XX/XXXX % APR ). There is nothing in the terms of the offer nor the cardmember agreement that prohibit me from paying the balance off at anytime. TheXX/XX/XXXX % period is coming to an end on or about XX/XX/year>. As such, I paid off the full balances remaining on the cards via the Discover website, in the same manner and utilizing the same payment account that I have for my Discover payments over the past 8 years. As a result, Discover sent me a letter that both accounts were being closed due to " unusual payment activity '' and would be reported to the credit bureaus that the accounts were " closed by creditor '' which is generally understood to be a negative report. So, the basis of my complaint is as follows. While Discover maintains the right to close an account for any reason and without notice, the FTC XXXX nevertheless prohibits Discover from engaging in an unfair or deceptive trade practice. Closing my account merely because I paid off a balance transfer in full is not only illogical, but since I was entitled to pay off the balance transfer at any time pursuant to its terms, closing the account for doing something that I am permitted to do, and, on top of that, making a negative report to my credit bureaus is an unfair and deceptive trade practice.
Product: Mortgage

I am trying to stop hard copy statements for my mortgage loan. My mortgage servicer is telling me that they can not stop them, as CFPB and " the law '' require them. I have no doubt that this is true, but I do think it is stupid. Is this actually required by the law, or was it just included in one of the implementing regulations? Can you give me any insight as to why the Government regulations are requiring the waste of paper and the increased costs of printing, postage, and distribution of something I do n't need or want?
Product: Money transfer, virtual currency, or money service

on XX/XX/20 I noticed someone took money from my bank account. I contacted my bank and found that it came from CashApp. However, I had not used cash app. When I looked into my Cash app account I saw that monies was missing from my bank account and XXXX XXXX. It appeared there were numerous failed transactions and numerous transactions that were processed. I immediately tried to contact Cash app. But to no avail they would send me the same email over and over again. As I continued to look into this fraudulent activity I found that my phone number was changed as well. I then contacted the person but got no answer. I even tried to send a request to them to send my money back. Cash App has not returned my money that was stolen from XXXX XXXX. Also, my bank refunded me the money that was stolen from them. However, Cash app then put that money as a negative in my account as if I owe them. I have tried to file a report with my local authorities and they told me that they have tried to contact Cash App for information over the years and have received no response. This company is stealing from people and not returning their money. I would like to file a class action law suit against them to stop these dishonest practices. Someone needs to hold them accountable.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be validated or removed immediately : account number Amount XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$160.00} In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given this prepaid card as a form of payment on XX/XX/23. The expiration was a very short 4 months later on XX/XX/23. I was unaware these cards expired so quickly so I inquired with prepaidsolutions.com to reissue the card. They said since the card expires the balance has been forfeited. They refuse to say where the fund were forfeited to or to reissue the card which had a significant sum of money on it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Listen you ( XXXX, TRANSUNION, XXXX ) disgusting pieces of garbage. You critters of Evil servants of XXXX the XXXX creatures of XXXX, literally carrying on the work of your father the XXXX that make bloody profits by causing ruins on other people 's lives, who is the one really blocked all my financial means of living you are just his puppets. XXXX XXXX ; Re XXXX That is the same thing you have been saying ever since 2020. The company is working on your issue, we apologize for the inconvenience. 

You filthy disgusting garbage is your apology going to put food on my family 's table or do we serve your apologies on our family 's table to eat? 

What does it cost you to follow the FCRA Laws & Regulations Block all the items not recognized by the consumer because of identity theft and data breaches. 

No buddy is asking you not to investigate, on the contrary investigate all you want to your heart 's delight. 

Then depending on what you find out through a real investigation again do to hearts delight rescind the block. 

But why would an Evil critter do the right thing what should be done according to the Laws & Regulations?
Product: Credit card or prepaid card

I have a Lowe 's credit card for in store purchases. It has a fairly high interest rate but the 5 % off purchases in the store make it worthwhile and I always pay off the balance within the month. I also take advantage of their interest free promotional periods for larger purchases. Sometimes, I balance multiple promotional balances as well as the regular interest bearing balance. I always payoff the promotional balance in the time allowed and within the stated rules to ensure I am not charged interest. During the time I have promotional balances I also ensure that I continue to payoff the regular balance to avoid interest charges on those as well. The website allows for users to choose how payments are allocated. My preference is to have the payments allocated towards regular balances first and promotional balances second. Once the preference is set it is an automated process to distribute the payments to the different balances. Over the years I have found a number of payments allocated in correctly. I reach out to their customer service representatives and they confirm that payments were allocated towards promotional balances first leaving interest bearing regular balances. They also confirm that my preferences are correct in their system and they have no explanation as to why the system has failed. I've learned that I need to double check the automated allocation process. Based on the number of times that this happens and their inability to fix the issue, it appears to me to clearly be a systematic attempt to defraud customers by incorrectly giving them interest bearing balances and charging them the 20 % + interest that comes with the regular balance. My most recent payment to them should have wiped out the regular balance entirely and pay down some of the promotional balance. Upon review of the account I found that there was still a regular balance.