23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. WF BANK NA Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CAVALRY PORT XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from CAVALRY PORT WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists Child Support Court as the furnisher that's forgery and misleading when the courts don't report this type of account.

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. 1681 section 602 A States I have the right to privacy 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 other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX : XXXX ; U.S. Department of Education XXXX XXXX XXXX XXXX Formerly XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX of XXXX XXXX XXXX : XXXX ; US Dept of Education : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX XXXXXXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
SELF FINANCIAL/XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
SBNASELFLNDR Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXXXXXX. 
SELF XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX  XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up
Product: Credit card

The credit card I have is Cb indigo. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit file regarding the XXXX account ( # XXXX ). According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes promptly. 
Upon reviewing my credit report, I found that the payment status for this account continues to indicate " 30 days late, '' which is inaccurate. I have consistently made on-time payments for this account, and I have attached relevant documentation to support this claim. 
Here are the details of the account : High Balance : {$2000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : Not Available Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Consumer disputes- reinvestigation in progress ; Closed or paid account/zero balance Two-Year Payment History : Indicates " OK '' for all months but continues to show a " 30 Days Late '' status inaccurately. 
I request that Equifax provide a detailed description of the investigation procedure conducted to verify this account 's payment history, as required under 15 USC 1681i ( a ) ( 7 ). Furthermore, I request documented evidence supporting the late payment claim, including specific dates, amounts, and correspondence that validate this reporting. 
In the absence of valid evidence, I demand that the payment status for this account be updated to " Paid As Agreed Never Late '' immediately. Failure to comply with this request within the 30-day timeframe outlined in the FCRA will constitute a violation of my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

Sequence of activities happened between XXXX/XXXX/2016 and XXXX/XXXX/2016 1. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 2. XXXX/XXXX/2016 - Deposited {$500.00} in Chase bank ATM XXXX. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 4. XXXX/XXXX/2016 - Withdrawn {$100.00} from XXXX XXXX XXXX ATM 5. XXXX/XXXX/2016 - Withdrawn {$4000.00} from XXXX XXXX XXXX teller counter which is located in XXXX around XXXX or XXXX. 
6. Walked one block 7. XXXX/XXXX/2016 - Deposited {$4100.00} in Chase ATM which is located at XXXX, NY around XXXX 8. Got technical error around XXXX. 
9. Immediately Contacted branch officer around XXXX 10. Claim was created. 
11. On XXXX/XXXX/2016 around XXXX - No money found message from Chase bank 12. On XXXX/XXXX/2016 around XXXX - Contacted chase claims department 13. After sometime there is an error found {$3600.00} and {$500.00} missing. Requested to do second round of research 14. On XXXX/XXXX/2016 - Money not found, Research was done no further investigation will be done. 

Finally I lost {$500.00} money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the XXXX breach. in 2018 I received notices og being placed on the dark web.and XXXX 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next XXXX. I let all three CRA 's know about XXXX accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX {$4600.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX  {$1200.00} :.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against TransUnion regarding inaccurate and outdated information present on my credit report. As a federally protected consumer under the Fair Credit Reporting Act, I have the right to fair, accurate, and up-to-date reporting. However, my credit file currently contains incorrect personal details, including my address, which I did not provide and do not recognize, or outdated. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I am unaware of the source of the incorrect information reflected in my report, but this false data has caused significant damage to my credit score and overall financial standing. The presence of inaccurate information raises serious concerns regarding the integrity of my credit file, and I will not tolerate continued negligence in maintaining accurate consumer records. Under the FCRA, TransUnion is legally required to ensure that consumer reports are accurate and free of unauthorized, outdated, or incorrect information. Therefore, I demand the immediate removal of all erroneous details from my credit report. Failure to uphold these legal obligations violates my consumer rights, and I expect immediate compliance with my request.
Product: Credit reporting or other personal consumer reports

My credit score is open and accessible to the public and I dont want that. The credit agencies namely ; Equifax, XXXX, XXXX and XXXX all make my information accessible to insurance agencies etc. 
This has affected my credit score dramatically and reduced my score.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )
Product: Credit reporting

To be delivered to each Credit Reporting Agency. This is not a duplicate. 
On XX/XX/2017 I disputed an erroneous account appearing on my credit report. Refer to CFPB case # XXXX. The errant line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, this item must be immediately and permanently deleted from my TransUnion credit report.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 want to permanently remove my name from the list that Consumer Credit Reporting Companies, XXXX, Equifax, XXXX, and XXXX, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX  XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXXXXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account # XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXXXXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I only have one address and never lived at the several they have listed. And several accounts I dont notice
Product: Money transfer, virtual currency, or money service

They ( Blockchain.com ) have given me the runaround. 
I have been cheated!!! 

I want to take my money out!!! But I do not have a smartphone to get to the Gold step. Don't you get it! 

I DO NOT HAVE A SMARTPHOEN TO GET SMS TO TAKE OUT MY MONEY!!! 
DON'T YOU GET IT. I HAVE ACESS!!!!! 

That's the problem!!! I can not be Gold verified because I do not have a smart phone to receive SMS. I am stuck and you are holding my money which I can not move out because I can not get Gold status!!! 
Don't you people get it!!!! I am being denied my money. 



I do not have a smartphone-it would cost me {$30.00} to rent just to get {$18.00} back. This is dishonest and cheating. Just to receive SMS. I can not do a GR code or a selfies of my license.
Product: Credit card or prepaid card

I pulled my credit report on XX/XX/XXXX. I am showing one 30-day late payment for XX/XX/XXXX as well as one 60-day late payment for XX/XX/XXXXXXXX    for Syncb/Care Credit. I immediately wrote a letter to the agency on XX/XX/XXXXXXXX  addressing the XXXX that those late payments are to removed based on the company reporting those payments without my consent. I further explained that this is an invasion of my privacy, as well as a defamation of character. The company is causing harm to my life by preventing from being able to excel in every aspect. I am continuously being denied being approved for a mortgage loan which I am trying to pursue for the sole purpose of providing a home for my wife and kids. I am also being denied for any vehicle loans. Such conduct has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This company has violated 15 U.S.C. 1692 ( c ) of the fair debt collections practices. I demanded that this company cease and desist of this activity as soon as possible and gave 15 days from the receipt of the notice, which would be XX/XX/XXXX. That included eliminating all late payments from their records and discontinuing and retracting all late payments to any and all credit reporting bureaus. It is well over the 15 days and I have yet to receive a response from the company nor have the company removed the late payments from my credit reports. I granted a few extra days prior to filing this complaint which is now XX/XX/XXXXXXXX  and the company still hasn't taken any action.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Service Finance Company , LLC for their deceptive and unethical business practices regarding an overpayment issue. 

Due to inaccurate information displayed on their website, I inadvertently overpaid my account by {$5000.00}. The error was identified on the same day of processing, and I immediately contacted Service Finance Company to request a stop or reversal of the transaction. However, they outright refused to take action, insisting that the payment had to process despite being notified in a timely manner.

To make matters worse, Service Finance Company now claims they can only issue a refund via mailed checkbut only after holding the funds for 30 days. This is an unacceptable and unjust policy that effectively allows them to withhold customer funds with no legitimate basis. There is absolutely no reason they can not return the money immediately via the same method it was paid, making this practice appear as nothing more than a deliberate and unethical cash flow strategy at the expense of their customers. 

This type of shady business conduct raises serious concerns about the integrity of Service Finance Company, and I urge your office to investigate this matter immediately. No financial institution should be permitted to withhold a customers money for an arbitrary period, especially when the overpayment resulted from their own systems failure.

I expect immediate action to be taken to address this issue and hold Service Finance Company accountable for their unfair practices. Please confirm receipt of this complaint and advise on the next steps to escalate this matter further if necessary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/XXXXXX/XX/year> Balance : {$25000.00} FRAUDULENT NOT MINE
Product: Checking or savings account

On XX/XX/2024, my account at Arvest Bank had a check placed on hold. The reason provided by the bank was that my account had been overdrawn too many times in the last XXXX months. Importantly : The check 's hold was not related to the check 's size or its origin ( e.g., not from an unknown or unusual source ). 
In the XXXX years since I opened this account, no deposited check has ever been returned. 
The bank delayed notifying me about the hold, providing notice only days later, despite having the capability to notify me through online banking much sooner. 
There is no disclosure that using the overdraft protection featureheavily promoted by the bank 's staff during account openingcould result in checks being held. The only disclosed consequences of overdraft usage involve prolonged overdrafts potentially leading to the loss of overdraft protection or account closure. However, the overdrafts on my account were of short duration and never indicated risk. 

As a result of the hold, I am now facing claims from the check writer, who alleges I failed to deliver what the funds were meant for. The check writer provided proof that the check cleared their account the day after they issued it ( XX/XX/2024 ). Despite this, the bank has stated that the funds will only be made available to me after the close of business on XX/XX/XXXX, XXXX
Product: Debt collection

On XX/XX/2022 XXXX XXXX AND XXXX reported on my credit. This debt collector does not have the right to report to my credit as they are not licensed or bond in the state of tn to collect.