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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX XXXXXXXX - " You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. XXXX XXXX XXXX XXXX XXXX XXXX  - Unauthorized Hard Pull! Please refer to Section XXXX of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX until now I have been sending Experian certified letters ( see several attachments ) requesting that they correct two XXXX XXXX  accounts with inaccurate and incomplete information that they continue to list on my Experian credit report. Despite my letters and information from the original creditor that contradicts them, Experian has refused to correct their errors and has only responded by saying the incorrect information has been " verified ''. This incorrect information is on the latest Experian credit report as of XX/XX/XXXX : 1. These accounts are reporting me dead despite me providing Experian with Proof of Life ( see attachment ) and multiple telephone conversation where they verified I was alive, 2. These accounts are still reporting Status of {$1900.00} and {$6500.00} even after they have been discharged by XXXX with 1099Cs ( see attachment ), neither of these Status postings should be on the report, 3. These accounts continue to lack my Notice of Dispute which I have requested of Experian despite my multiple dispute letters ( see attachements ). This is a violation entitling me to at least {$1000.00}, 4. These accounts are not reporting the Date of Last Activity, the Date of Last Payment, the Date of 1st Delinquency and the Date Closed ( see attachment ). and 5. Without those dates, the On Record Until dates are incorrect. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting incorrectly on my credit reports, Ive tried to speak with the creditors and they refuse to remove this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused. significant inconvenience and financial loss, and I seek appropriate redress XXXX for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian say that they validated a collection account so they do not want to delete it, Thus, hurting my credit on purpose. If the original creditor accounting system is inaccurate, what are the odds the collection agency has inaccurate information? 

Experian can not show me proof the account is validated and still insisting on showing collection account on my credit report and lying by claiming they validated the account. Where is the proof Experian? 

Here is some reviews from yelp and XXXX about the original Creditor that shows their accounting system is inaacurate. 

XXXX 4 months ago Similar to other recent reviews regarding accounting errors. They sent my bill from over 5 years ago to collections without ever contacting me. Would not recommend this place. XXXX XXXX XXXX XXXX XXXX XXXX 5 months ago Billed for another invoice again years and years previous as they did to me originally do to a so called audit. The office has major major accounting problems. I would think there is a statute of limitations when they can bill. It would be like me billing someone for an invoice 4 or 5 years later. I ended up paying the invoice again after multiple multiple calls with no answer just to be done with it. I have never seen anything like this. I wish they had a XXXX star rating. 
NH 11 months ago I Dr XXXX office in XXXX CA is a horrible place and have major accounting problems. The doctor seems fine if you do not mind talking to a video screen as she is located out of town. They have charged us {$100.00} regarding co pays from 4 years ago that they decided to bill us for regarding services for a family member. In the bill they sent us it states the billing was late due to a audit on their records. How can a medical place like this decide to bill a customer after 4 years? They do not answer there phones to speak to them regarding this and the one time I did reach them they said they would call me back and never did. I don't even know if this was for valid services being that long ago. 
Unless you want to get billed for services years later I would stay clear of this place. I will pay the bill but want to make sure others know what they have done to us. XXXX XXXX Review XXXX XX/XX/2020 I feel this place is a horrible place and have major accounting problems. They have charged us {$100.00} regarding co pays from 4 years ago that they decided to bill us for regarding services for a family member. In the bill they sent us it states the billing was late due to a audit on their records. How can a medical place like this decide to bill a customer after 4 years? They do not answer there phones to speak to them regarding this and the one time I did reach them they said they would call me back and never did. I don't even know if this was for valid services being that long ago. 
Unless you want to get billed for services years later I would stay clear of this place. I will pay the bill but want to make sure others know what they have done to us.
Product: Credit reporting or other personal consumer reports

The following address is Only a former mailing addrrss and not a Private residence that XXXX refused to correct.It is a resouce center for the XXXX called : XXXX XXXX XXXX XXXX XXXX XXXX. 

The Correct former miling address should be : XXXX XXXX XXXX XXXX XXXX, CA XXXX This reporting Agency ( Experian ) currently displays this INCORRECT FORMER mailing adress as : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian Refused to correct it to remove XXXX XXXX XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I CALLED CITI BANK SPOKE TO XXXX IN THE FRAUD DEPT IS A SUPERVISOR CAN NOT HELP ME AS I DO NOT HAVE THE ACCT NUMBER AND THE DEBIT CARD NUMBER EXPLAINED TO HIM I NEVER HAD THIS ACCOUNT ITS FRAUD HE CAN TELL THAT BUT I WOULD BE REQ TO FLY TO A LOCAL BRANCH TO GET THIS RESOLVED I CAN NOT AFFORD TO DO SO!!! PLEASE ASSIST ME AS THIS IS FRAUD!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/year>2024 TransUnion
Product: Debt collection

NOTICE OF PENDING ACTION SEEKING REMEDYAND MONETARY DAMAGES PURSUANT TO FCRA SECTION 15 USC 1681N Civil Liability for Willful Noncompliance, 15 USC 1681O Civil Liability and Negligent Noncompliance, and 15 USC 1692K Civil Liability.

Accept this last written OFFER OF SETTLEMENT BEFORE LITIGATION as my last ditch effort to reach a settlement to end your ongoing violation of the Fair Credit Reporting Act about your failure to remove information from my consumer file. 

If the items specified in my letters are not immediately removed, I intend to file a lawsuit under the FCRA to demand relief and reclaim any financial damages I may be due.

If you choose not to accept this offer of settlement, a formal complaint will be filed with the Federal Trade Commission, and copies of this letter, as well as copies of the three written letters we previously gave you, will be included. This documentation will also be used as evidence in any future legal proceedings.

The items shown on my credit report continue to be there despite three formal requests, which is against the law. The FCRA requires that you keep a copy of the original creditors ' records on hand as proof that the information is my and accurate. You wrote in the findings of your inquiries that you " verified '' these items are being " reported correctly ''? Who checked these reports? You have not given me a copy of ANY original paperwork, including a consumer contract that bears my signature, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

In accordance with Section 611 ( a ) ( 7 ), you have also neglected to give the method of verification. Please be aware that you are required to " ... promptly DELETE all information which can not be verified '' in accordance with Section 611 ( 5 ) ( A ) of the FCRA.

In the event that you break federal law, the law is extremely explicit about my civil obligation and my options for redress.

According to 15 U.S.C. 1681b ( a ) ( 2 ), your business is in violation of the following : According to the following conditions and none more, " any consumer reporting agency may furnish a consumer report : In accordance with the written instructions of the consumer to whom it relates. '' I have never given written permission for any consumer reporting agency, including your business, to provide my consumer report. I am the consumer and a natural person.

In accordance with 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency is also required to carry out its serious obligations in a way that respects the consumer 's right to privacy and is fair and unbiased.

You have breached my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) by providing the accounts identified in Exhibit A on my consumer report without my written consent.

Additionally, your business violated 15 USC 1692j ( a ) by producing a false form that led creditors and employers to believe I was in debt, despite the fact that you are unable to substantiate this claim. If the debts were real, you gave the misleading impression that I couldn't afford to pay them.
Product: Debt collection

Over the last 3 weeks I have been receiving XXXX5 calls a day from Commonwealth Financial ( CFS ) A collection agency. They are asking for a XXXX XXXX XXXX whom I do not know. I have told them them 5 times now that I do not know this person and to stop calling me however the calls continue. 
Some of the numbers are : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX According to 15 USC 1692c ( c ), I am hereby notifying you in writing that I refuse to pay this debt and demand that you cease all further communication with me, except as required by law.
Product: Credit reporting or other personal consumer reports

I received some investment property around XXXX of last year. I used my credit cards to renovate XXXX side of the apartment that wasn't livable, plus increasing the value of the property at the same time. I kept the balance below my limits and made more than the minimum payment on the accounts. XXXX XXXX XXXX 's I use very seldom. I stayed in good standards as long as I had the card with a XXXX balance. Around XXXX of last year a letter came stating my line of credit was reduced. The rep stated that they looked at my credit report and saw high balances on my other credit cards, they decided to reduce my limit. This caused my credit scores to fall because by reducing my limit The credit depositories are looking at my credit card usage over XXXX percent which treats this cards like they are delinquent. I wasn't aware that this could happen. They can look at my credit report with no discrepancies but high balances and determine I'm a credit risk even if I never been late on anything..
Product: Debt collection

I have never done business with this company, never given this company any of my information, i have no idea how they got my information and they need to have it removed from all XXXX of the credit bureaus. I have never signed or consented to any terms or agreements with convergent outsourcing.
Product: Credit reporting or other personal consumer reports

I have tried contacting this company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and change some numbers and put them back on my credit report.
Product: Vehicle loan or lease

I used to have a Wells Fargo account. Stopped using them bc of their poor quality of service. I recently received a letter in the mail regarding a refund check that was mailed to my previous address last year. A few excerpts from the letter : " ... we would like to ensure you received the refund for x amount ... '' And " if you did not receive the check, please contact our office at the number below and we would be happy to reissue your refund ''. I called first at the end of XXXX and then again mid XXXX after not receiving the new refund check that they promised to reissue on both occasions. I called again today ( call # 3 ) and this time, they mysteriously couldn't find my information at all and would " call me back ''. 

I do not have any hopes that they will ever call me back, considering that the issue was supposedly resolved the first time I called back in XXXX. 

According to XXXX, the " supervisor '', they would " investigate '' and call me back. Ha. He also " didn't recognize '' the Wells Fargo customer service number on the letter which I used to call to get in contact with him ( after being transferred several times ). This company is a joke. As far as I am concerned, they are guilty of theft for not reissuing the check for MY money. My only guess is that they are stalling and dragging their feet until the " applicable time period '' is up so they don't have to give me my money. Clearly, they are not happy to reissue my refund as they previously stated
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX is my student loan servicer and my federal student loans are being duplicated on my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed.

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported. 
15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that Equifax perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate. 

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/23, I applied for a credit card from CapitalOne with an introductory 15 month 0 % interest rate, a 3 % interest rate on any transfers and a welcome bonus. Knowing my credit score was already rated " excellent '', I applied. In less than 3 minutes, I received a letter indicating that I was not approved based on 2 reasons : 1. Based on information that I provided, my income is insufficient for the amount of credit requested. ( First, I did not request any amount of credit and second, there was no question about the amount. 
2. Based on information that I provided, I have previously earned a spend bonus on this product. ( I do currently have a CapitalOne credit which I received over 2 years ago, which their rules indicate that I can apply for card if it has been 24 months ago ) I do not understand how CapitalOne can make a fair assessment of my finances and credit worthiness in 3 minutes or less, especially when there are only 4 to 5 questions! On top of this, the inquiry for the CapitalOne credit card left a hard inquiry on my credit report, which I want removed! I know that there is definitely something wrong with their assessment process, as I went to my bank the next day and was approved immediately for a similar credit card.
Product: Mortgage

Bank of America sold my mortgage loan to XXXX, XXXX. on XXXX XXXX, XXXX with XXXX Mortgage XXXX as the new servicer. Yet, three days later Bank of America with no further interest in this mortgage, scheduled the home to be auctioned, on their behalf, on XXXX XXXX, XXXX then rescheduled by them, for XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX
Product: Credit card

Following up on my previous complaint to CapitalOne Credit Card, the company falsely charged an additional {$28.00} interest on XX/XX/2023 when my account balance was already XXXX by paying XXXX on the due date of XX/XX/2023. When I contacted customer service, I was told that the charge was due to a late payment in the month of XX/XX/2023. When I argued with the agent that they falsely charged my account when my balance was XXXX and my account was previously charged XXXX. The agent had no clue and was not providing accurate information. It appears that my account is being falsely charged by Capital One. This is the XXXX interest change on my account with XXXX balance. This is mental harassment from Capital One that I need to check my credit card account every day even though I haven't used my credit card to make sure that the company is not placing false changes on my account.