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

I am writing to express my deep concern and dissatisfaction regarding the recent denial of my request to block certain information on my credit report, as outlined in 15 USC 1681c-2. It has come to my attention that despite the explicit language in the statute mandating the blocking of information resulting from identity theft, my request has been denied.

Specifically, 15 USC 1681c-2 states that consumer reporting agencies " shall block the reporting of any information in the file of a consumer '' that the consumer identifies as resulting from an alleged identity theft. This provision is designed to protect consumers from the harmful consequences of inaccurate information stemming from identity theft.

I submitted a formal request to block specific information on my credit report, providing evidence that these entries are a result of identity theft and not related to any transactions initiated by me. However, I recently received notice that my request has been denied.

This denial raises serious concerns about the protection of my civil rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The FCRA is intended to ensure the accuracy, fairness, and privacy of consumer information, and it grants consumers specific rights, including the right to block inaccurate information resulting from identity theft.

The denial of my block request not only goes against the explicit mandate of 15 USC 1681c-2 but also raises questions about the adherence to the fundamental principles of fairness, impartiality, and respect for consumer rights, as outlined in the FCRA.

I urge you to reconsider your decision and promptly address this matter in accordance with the statutory requirements. Failure to do so not only perpetuates the inaccuracies on my credit report but also constitutes a violation of my civil rights under the FCRA.

I appreciate your immediate attention to this matter and expect a thorough reevaluation of my block request. 

XXXX : Police Report, ( XXXX ) Identity Theft reports, Proof of Address, Photo ID
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX I deposited XXXX checks XXXX was written out to my name For business services that I provided to a corporation for {$1500.00}, but the corporation made a accidentally stop payment on the check which I later received cash from that corporation. The second check was for {$1400.00} that was written out to a business colleague of mine and endorsed on the back with my signature so I can be able to deposit it I advised my business colleague that wants the check clears, which it did that I well give him the funds because he didnt have a bank account and he didnt want to risk the fees so I told him I would do it for him. later, my account was restricted, because I was advised that I can not sign over a check thats not in my name And that they will end my relationship and any remaining funds in the account they will send out a closure check.now its XXXX XXXX XXXX I have not received any communication whatsoever. It has been more than 30 days I have been calling every other day with The same result Capital one has failed to send my remaining funds in my account and is holding my money on purpose all my checks have cleared so I will be suing/small claims in the next 30 days if I dont hear anything regarding my funds in my account
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account be blocked and deleted from my credit file : Account to be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and still no response from XXXX, transunion, or XXXX. 
I've seen the letters on the XX/XX/XXXX. for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

This is a slippery slope problem caused by XXXX XXXX XXXX providing information to the credit reporting bureaus two ( 2 ) delinquent 60 day accounts, when in fact XXXX XXXX XXXX had received the two payments on time XX/XX/2024 payment and XX/XX/2024 payment. The payments were applied to the wrong account and for over 30 days XXXX XXXX XXXX claimed they never received the payments. Please see the three complaints file with you concerning this matter. Because XXXX XXXX XXXX denied receiving payments a claim was made to find the payments which caused the Wells FargoXXXX XXXX XXXX XXXX to cancel the XXXX payment and apply back to the WF checking account. 

A stop payment was made for XXXX XXXX XXXX Then because XXXX was updating processing procedures with XXXX XXXX XXXX XXXX, a payment for scheduled by the software that sent a online payment to a closed account. Since then payments made to authorized payees are cancelled. The following has occurred : Check # XXXX for $ Date Check # Payee Category Tag Memo Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This payment should have processed today and no record of it being processed. 

I have spoken with numerous CSRs for Wells Fargo and XXXX XXXX XXXX with no results.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX XXXX XXXX XXXX  and personally identifiable information ( PII ). 
2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
3. My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting or other personal consumer reports

Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} Balance last updated : XX/XX/year> Balance : {$4200.00} Balance last updated : XX/XX/year> Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year> Dispute 2 Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4200.00} Balance last updated XXXX XXXXXX/XX/year> Source of dispute information : Equifax.com XXXX Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/scrub>XXXX  Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX mastercard account was opened under my name fraudulently. Called XXXX Fraud Department " XXXX '' on XX/XX/XXXX with a balance of {$470.00}, and is under investigation for XXXX for account to be closed and reported to the Credit Bureau. Credit Report of XX/XX/XXXX account is in delinquent status due to nonpayment 's towards {$470.00} fraudulent purchases.
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 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and l seek appropriate redress for these violations.
Product: Credit card

I have had a Macy 's credit card account for several years. I keep a XXXX balance and then in XX/XX/XXXX - Macy 's decided to close my account without my knowledge. When I went to use my Macy 's card in XX/XX/XXXX - Macy 's decided to open a NEW credit account without my permission or knowledge instead of reinstating my existing credit line account. After SEVERAL attempts via telephone and email with Macy 's - I still do not have access to my credit card account online. I do not have the ability to see my account information, understand my consumer rights or pay my bill. Macy 's continues to show my old account information ( which they closed ) but will not allow me access online to add or view my new credit account information. I have written to Macy 's, called them, waited for them to call me back, and still have no access or resolution to access my credit account. That is the reason I am now writing to the CFPB to file a formal consumer credit complaint against Macy 's.
Product: Credit card or prepaid card

I will try to include as much as I can, however the original XXXX account that was used to file original fraud claims, dozens of follow up emails, reference numbers, etc was closed down when whoever hacked my entire phone, IP and apple wallet realized I was filing fraud claims with all my accounts and cards they hacked so I had to start a new email address ( the one used to file this complaint ). I have worked for my employer for over 20 years and have had a corporate card through them for at least 15 years, NEVER EVER had fraud issues, not once. These hackers maxed my corporate card OUT, hacked 2 bank accounts of mine AND opened an XXXX card in my husbands name and maxed that out as well. All within a 4-6 week window. Every single company confirmed fraud against both of us EXCEPT Citi. I am at risk of losing my job over this, experiencing medical and mental health issues as a result of this stress. They wont even allow me to move these fraudulent charges off my corporate card and at least to a personal bill until I can engage my attorneys to try to resolve this. Im literally beside myself, if I lose my job, which is going ot happen very soon because of this I will be filing legal action against them and I have already identified hundreds of other fraud claims against this company where they absolutely refuse to do anything about innocent people being taken advantage of. Im including an attachment with as many details as I could locate, confirm or recall. This has literaally been going on since last XXXX. I have already spoken with a private attorney who is willing to take on my case and has stated I have a very strong case. Our cell phone company already admitted employees were caught selling customer IP addresses. Every card that was hacked of mine was in my apple wallet. I just placed this new corporate card in my apple wallet as I was leaving for a business trip within 2 weeks of it arriving. I can not believe they put customers through this. Especially when its a corporate card of an employer of my size. Even our directors have advised this is going to severely hurt their ability to remain a provider of corporate cards for them in the future if need be. Ive also attached all confirmation letters from other companies confirming and removing the fraud that all happened within the same timeframe. As well as screenshots of all the fraud emails and NONSTOP DAILY calls I started receiving after this all occurred. My entire phone profile, IP, etc was cloned and Im still sorting out this nightmare. These crooks used my CORPORATE card to max it out on stupid VISA gift cards, they cant clearly track where these gift cards were used to see it WAS NOT ME?!?!?! This is pure insanity, and I will literally continue to fight this for the rest of my life, especially if I lose my job in the next 30 days. I will go to national news outlets, whatever it takes so this never happens to someone else again!
Product: Debt collection

Credit Collection Services has contacted me repeatedly from different numbers, including before XXXX XXXX and after XXXX XXXX, after Ive told them stop contacting me and to send in writing. I have had to block several numbers and in return they will call from the caller id unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

A lender was trying to see my credit score on Transunion. The score was not showing up for them so I called them a few times. Starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Each time I had asked why my score wasn't showing up. They kept telling me that there was no reason why it would not show up. On XX/XX/XXXX called again and was told lender had to call them. Was sent a credit report but no score was shown and it said I had to pay for it. I have a credit score but if ran against XXXX and XXXX it will not show up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax 18 times each person puts me on hold or transfer me over and over they lie and now they have told me to break the law by calling my creditors and asking them to remove items off my report I have a split file and they are refusing to combine my report because they say it 's to long they have 52 lines so they are refusing me and my creditors access to my file which is against the law I am seeking legal counsel but until then I will use the platform as well as the BBB This is the worst company I have ever dealt with please help
Product: Credit card or prepaid card

My father in law purchased a bunch of gift cards at once. This was a Visa Vanilla gift cared. All of them had {$50.00} on it but one, the one he purchased for my daughter. I called to get the issue fixed and get reissued another card. I had no problems getting ahold of someone at first. I sent them all of the information they requested. That was sent on XX/XX/XXXX. I was given the case # XXXX. I tried emailing to touch base on XX/XX/XXXX, XXXX XXXX ( from my work email ), XX/XX/XXXX, and the last one was sent on XXXX XXXX. I have tried calling several times. Every time I called I either kept getting transferred and the call dropped or they gave me different numbers to call and the calls wouldn't go through. 
I know this is only {$50.00} but that is still a pretty substantial amount of money to just throw away. All we are wanting is a replacement gift card or just a refund for my father in law. I have all the information you should need if I need to send anything to you. I have also attached the sticky note I wrote information on regarding contact information. The email that is written on there is the one I was given to send the information to. I was told I can also email for updates if need be.
Product: Debt collection

on XX/XX/XXXX, I.C Systems INC reported to the credit bureaus XXXX and XXXX  that I have a debt from XXXX. Which is completely false and inaccurate. I sent a letter to them on XX/XX/XXXX and bureau asking their method of verification and they could not provide the facts. In writing I ask them to provide the vadilty of this debt. XXXX  wrote back on XX/XX/XXXX saying it's verified but failed to show proof of this debt to me. They LIED and did not attempt to verify this debt. I am requesting this debt collection be removed from my files.
Product: Student loan

In spring of this year ( XX/XX/XXXX) I sent in my income documents after I got a raise at work so they could re-calculate my Income Driven Repayment plan. The repayment plan I was on before sending in my info was due to end on XX/XX/XXXX. As of today, XX/XX/XXXX, they are still not done recalculating my new monthly payment amount. 

I have called multiple times a month, month after month since sending in my documents, and they always tell me it will be ready in 7-10 days. However, this has been untrue each time. In XXXX they put me into forbearance so I would n't have to pay XXXX XXXX dollars that I would owe without a repayment plan. I am working on the Public Student Loan forgiveness  program, so each month they push back recalculating my loan, it is costing me money that would have been forgiven at the end of that program.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to resolve the fraudulent, inaccurate, and misleading entries on my consumer credit reports, yet this critical issue remains unaddressed. The presence of these erroneous items, to which I never consented, has severely impacted my life, causing tremendous stress and XXXX. I am a victim of identity theft, which has led to this compromised data being wrongfully associated with my identity. 

I must inform you that due to your insufficient action, I am now pursuing legal remedies regarding the fraudulent and patently inaccurate information currently misrepresenting my consumer credit files. I am formally demanding you take immediate corrective measures to update, delete, and permanently block these invalid items from my credit reports across all bureaus and furnishers.