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

I XXXX XXXX XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft, I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately XXXX XXXX XXXX XXXX  These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX FCU : ACCT # XXXX TXXXX  : ACCT # XXXXXXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXXXXXX XXXX XXXXXXXX : ACCT # XXXX 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.

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute including FTC fraud reports were sent to the Bureaus. Account was removed. Account was reinserted a month later without the required 5 day notification. Also, account not blocked from reporting as required by FCRA. 

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

This is for Experian no XXXX : For the month of XXXX I paid my XXXX loan with a loan that I took from a financial company. The company XXXX told me that before 30 days they would report the account, so they sent me a letter as proof in case Experian or others did not update the credit in 30 days after 60 days I checked my credit and I could see that the new loan and XXXX XXXX as unpaid affecting my credit I put a dispute and contacted the XXXX loan company paid they told me that after 20 days the account was reported to all the agencies were Experian 's negligence the dispute ended yesterday they marked the account as closed and not as payoff in order my credit was down XXXX of my credit now affecting my financial options call Experian for an explanation but they say they don't know why and They are not trained for that. My question is why do I have to be affected by paying my debt on time or paid off? It doesn't make sense to see my credit drop due to paid off my account and then see it fall for disputing for experian error
Product: Student loan

Nelnet unfortunately took over my student loan servicing after COVID-19 from Great Lakes . During this timeframe, the SAVE program became available as an income based repayment plan. I was previously enrolled in REPAYE, and was under the false impression that I had to recalculate my payment in order to enroll into SAVE. My payment somehow ballooned from approximately XXXX dollars to almost XXXX dollars. The Federal Student Aid website clearly states that If your payment increased after recertifying or recalculating your payment, your payment would be reversed to the original amount and it would be recalculated in XX/XX/year> ( I will attach that information ). I confirmed this with an FSA.Gov employee, and have the transcript of the chat showing this information was correct. After repeated attempts to explain this to Nelnet, they told me at each step I was incorrect and I would be responsible for this approximately XXXX dollar payment. I gave them ample time to stop the initiation of the debit from my bank account ( i was told by Nelnet the request needed to be made 3 days before the payment date and they were contacted a week and a half before the withdrawal date ) yet they still took the money. After numerous complaints to FSA.Gov, Nelnet emailed me a letter explaining that I would be getting the refund, but they had no indication of when. After continued phone calls and emails with Nelnet, they still have no information or updates. This is, in my view, a violation of federal law, and theft, as they admitted not only was I correct about the incorrect payment amount, but they took money out of my account they were not entitled to, and have yet to refund it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I realized that Experian placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XXXX XXXX, XXXX, the XXXX XXXX XXXX account was updated. On XXXX XXXX, XXXX, I contacted Experian regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that Experian is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called Experian back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''
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 Customer 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 ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Checking or savings account

During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.
Product: Credit reporting or other personal consumer reports

I'm filing complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.despite my submission, XXXX consistently responds within 24 hours stating the account is inaccurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

These accounts are inaccurate : XXXX {$2000.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX520.00} XXXX XXXX XXXX XXXX {$350.00}
Product: Checking or savings account

For several months I have had many issues with Wells Fargo concerning my checking, savings but now it is my over draft protection plan. Since, I have been placed illegally under the government mass surveillance program under section 702 laws they have used its power to interfere in my banking for more than year.

For almost 12 years I have been considered a loyal customers with Wells Fargo but, because of my issues with the government the bank have begun treating me poorly. The main reason for this complaint is because I am unable to use my over draft protection plan. 

This became an issue for the first time in banking with WF after all these. I have never given the bank any reason to believe that I am not wasn't trust worthy and I would like for the bank to cease any cooperation with government officials and my banking without a court order.

There is a real crisis happening here in the state of Colorado and its is so bad that all WF banks are closed on XXXX when they are supposed to be open according to the corporate office.
Product: Debt collection

XXXX XXXX XXXX : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. 
The date of the charge off according to them is XX/XX/2019. 

I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.
Product: Debt collection

I recently checked my consumer reports to find that these two collection accounts remain on my consumer reports. I am not liable to this alleged debt with Portfolio Recovery Associates, LLC. This company has two collection accounts showing on my consumer reports. Account number XXXX in the amount of {$460.00} and account number, XXXX in the amount of {$430.00}. I am not liable to this alleged debt with Portfolio Recovery Associates, LLC. I never entered into a contract or credit transaction with Portfolio Recovery Associates, LLC. Portfolio Recovery Associates is in violation of 15 USC 1692 b, this company is infringing on my right of privacy. Portfolio Recovery Associates, LLC is also in violation of 15 USC 1692 d and 15 USC 1681, accuracy and fairness of credit reporting. These are two inaccurate collections that has been furnished to my consumer reports which has resulted in my credit worthiness and reputation being ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed Debt Validation -609 Letters to Transunion, XXXX, and XXXX dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to XXXX XXXX, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from XXXX until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between XXXX and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the XXXX call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to XXXX on the XXXX XXXX while Gap Insurance sent the check on the XXXX. XXXX failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one XXXX rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling XXXX several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because XXXX in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Debt collection

the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for XXXX XXXX XXXX  and the company who bought their old accounts is portfoliorecov. I spoke with XXXX XXXX  who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.
Product: Mortgage

Our mortgage was originally with XXXX XXXX, however, its been transferred over to a collection agency based in California. Prior to XXXX we had a loan modification due to my husband not being able to return to work due to his health. The doctor permanently XXXX him for health reasons. Due to the facts and proof sent from my husband 's doctor to XXXX a loan mitigation was processed and it settled with a loan modification due to health reasons. Soon after XXXX hits and we applied for the CARES Act for an entire year with the assurance of the bank that all they had to do at the end of the CARES Act is add the amount that was paused for the year to be added to the end of the loan and to resume normal payments thereafter. In XX/XX/XXXX I was given another XXXX month extension until XX/XX/XXXX to start payments due to my loss of income due to XXXX. We all at home got XXXX but it affected my husband the most. He's currently on XXXX  till this very day. I'm his XXXX  FT. XX/XX/XXXX was when I got a hold of the mortgage company to see what has to be done to get back on track. There was alot of back and forth and paperwork was never received on their end when it showed complete on my end. Many things were going on at the same time my husband 's health takes priority. Some time after that we're presented with Sheriff sale and foreclosure for the money that fell under the CARES Act. They wanted us to pay it in XXXX lump sum which I knew wasn't right either. My husband had to file XXXX XXXX bankruptcy to get out of foreclosure but it went from bad to worse because they had us paying back double the money for XXXX years! The only income at the time was my XXXX  and mine. We still have XXXX more kids and other bills to pay. We couldn't keep up with the payments and the bankruptcy was dismissed without us attending the hearing! It was scheduled on a certain date but was really held on a different day without our knowledge! Now here we are back on square XXXX with Sheriff Sale on XX/XX/XXXX. Its no longer XXXX XXXX  its now with XXXX a collection agency from XXXX . Income is better now but what can be done?
Product: Vehicle loan or lease

I overnighted a check to payoff my vehicle and Nissan said it got lost. I need know where the check is someone signed for by name XXXX.