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

They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting.

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID : XXXX Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information
Product: Credit card

I just checked my credit reports to only find out that my credit service, Fortiva ( The Home Improver Card ), reported my history over 30+ days late. I have never made a payment over 30 days late. I was a few days past the due date, by never went past the next due date. Their website does n't provide the required information ( amount past due ) or a PDF version of the monthly billing statements, or even a physical breakdown of what is due, etc. I have pictures that show what their site looks like and you have to guess the amount due, as you are not required to pay the next month 's amount until the next due date, but if you want to know what is due, you have to guess. Their phone system is horrible and when their agents call, they do n't tell you where they 're from, they just say " Account Services ''. I literally had to tell her to tell me the name of the credit card they are calling for as I have many retail cards. She said, '' Well you just made a payment to us on XX/XX/XXXX, '' and I said I have made multiple payments to accounts on XX/XX/XXXX. I told her I go by the name of the card. She finally huffed and told me it was for my XXXX credit card. I told her the payment was sent to be received on XX/XX/XXXX. She then told me that I could make a payment through their site, and I told her it does n't post for 5 days, unless I expedited it and it costs. She said that was incorrect information. I said I 've tried it twice and it shows that it would post right away. Come to find out it was because they had just received a payment and their system would n't allow another to be scheduled within 7 days. They need to get with the times and up to standards with the laws. I submitted a dispute with XXXX. I will submit the dispute with the agencies after I submit this with the CFPB.
Product: Credit reporting, credit repair services, 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 U.S. Code 1681. 

XXXX XXXX XXXX : XXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. ( a ) Information excluded from consumer reports ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. Amount {$3200.00}.
Product: Credit card

I reached out to Wells Fargo in XXXX to ask them why I had been denied extension of my own credit on ( at the time ) 5 applications. I explained that I had the capacity to contract and did not understand why I had not been given valuable consideration for the applications ( securities ) I'd created. XXXX, at the executive office spoke to me twice and then sent an email stating the case had been closed. I then sent a Power of Attorney and adverse action letter to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I explained that, according the EQUAL CREDIT OPPORTUNITY ACT, adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15USC 1692k, that Wells Fargo is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I made an application in good faith but credit was not issued. I informed him that if Wells Fargo fails to make any reasonable offer to resolve this matter and compensate me for the use of my SSN and the resulting creation of security collateral, I will make Wells Fargo criminally and civilly liable for all actual damages. I gave Wells Fargo XXXX XXXX XXXX XXXX business days to respond and that certified mail was received by Wells Fargo on XXXX XXXX, XXXX. Wells Fargo has failed to do its fiduciary duties and the IRS is my next step in seeking remedy. I now have at least 6 denials and the associated reference numbers to prove these accounts were created. I can have each of these accounts audited forensically by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted All 3 credit bureau XXXX Experian and XXXX on various occasions since XX/XX/2023 and asked them to provide me proper documentation, holding me liable for these debts thats reporting on my credit reports they have failed to do so on multiple occasions, and are claiming that they are verifying the information, but not sending me any documentation, I would like these accounts delete it from my credit report immediately as it is stopping me from obtaining future credit. I have no knowledge of the accounts thats currently reporting on my credit reports. They are also falsely verifying thats on my credit report with no actual proof.
Product: Money transfer, virtual currency, or money service

I was making a purchase and was asked to make the payment through Zelle. The seller was asking me to verify a code and when I refused to do so they had already received my payment. I called the bank and let them Know this had happened and they redirected me to call Zelle myself and see how they can help. Zelle refused to help me and I was told to just make sure next time before I pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these accounts do not belong to me ( XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making bi-weekly payments to Specialized Loan Servicing and after checking my credit report through my banking account I noticed there was a 30 day mortgage late reflecting which dropped my score 40 points. I have been working diligently to raise my score with them to possibly get a modification. I contacted them to and received a message about the fair credit reporting act. I also have a dispute in with them through XXXX as well. I have also been speaking to some credit repair companies who claim they can possibly get the 30 day late removed, but of course that is money. I have heard so many complaints regarding this company that I don't think I would want to do anymore business with them. My account was transferred to them from XXXX XXXX. When making payments there was an unapplied/suspense in the account so when the payment there wasn't enough to make a full payment and I wasn't aware. I have also faxed the company a XXXX letter to get it removed, but that could've went to anyone. Please help!!
Product: Debt collection

Ray Klein Inc., XXXX Professional Credit Service of XXXX, OR. sent a writ of garnishment to a company I do business with that has no connection to the debt they claim I owe. I believe it was in retaliation for a contentious call I had with a Ray Klein Inc. employee and was done deliberately and with the intent to embarrass me. I have copies of the writ that was sent to XXXX in XXXX Ohio. XXXX is not my bank, nor are they involved in this matter at all, nor have they ever been. Ray Klein Inc. just picked a name off of my personal credit report and sent a third ( uninvolved party ) embarrassing personal details about this dispute including my social security number. 
I am not even sure that the debt that they are harassing me about is even valid. I was never served for this judgement they claim to have, nor was I notified by mail certified or other, but it sure shows up on my credit report. I think this company has engaged in illegal collection practices and I want them penalized for it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of the following information that has resulted from identity theft : Account : [ XXXX XXXX Account Number : XXXX ] Inquiries : [ XXXX XX/XX/XXXX ] [ XXXX XXXX XXXXXX/XX/XXXX ] Relevant Provisions of FCRA 605B Under the FCRA, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. Specifically : 1. Timely Action Required : According to FCRA 605B ( a ), TransUnion must block the disputed information no later than four business days after receiving the following : Proof of my identity.

A copy of my identity theft report.

Identification of the fraudulent information.

A statement from me asserting that the information is not the result of any transaction I authorized.

2. Notification Obligation : As required by FCRA 605B ( b ), TransUnion must promptly notify the furnishers of the information about the identity theft claim, the requested block, and the effective dates of the block.

3. Limits on Declining or Rescinding the Block : TransUnion may only decline or rescind a block under very specific circumstances, as outlined in FCRA 605B ( c ). Any decision to decline or rescind a block must be accompanied by prompt notification to me, including an explanation as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Action Requested I demand the following actions : 1. Immediate removal of the fraudulent account and inquiries identified above.

2. Notification to all furnishers of the fraudulent nature of the account and inquiries.

3. Written confirmation within 30 days that the disputed information has been removed or blocked, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) die to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act. Specifically, cashapp 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 and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

I had an account under XXXX, my sibling created an account and transferred {$75.00} to my grandmothers account for me. The next day, my grandmothers account was closed and when she called in about it she was told that a check would be mailed but the check was never mailed to her or me. They closed the account and required a phone number to be assisted over the phone which would not serve any good if there was no account linked to the number. It's been maybe over a year now, it has been a struggle to contact them until I figured to reach out to someone over them which is you.
Product: Checking or savings account

I have had problems with Wells Fargo charging me overdraft fees from the years XXXX. My money was deposited first and then they charged me overdraft fees. My health is not that great and this exacerbated my problems with my health. They should reimburse me for not only the fees that they charged me, but also for continually charging me fees even when they shouldn't. They are still doing this to me. It happened in again. XX/XX/2023 deposited {$20.00}. On XX/XX/2023 I was charged an overdraft fee and then it showed I deposited my {$20.00}. This has happened many times over the years. I want to be reimbursed for the interest as well as being compensated for the detriment to my health.
Product: Credit reporting, credit repair services, 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. 

XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!
Product: Debt collection

My XXXX credit report shows a debt not owed that is a result of identity theft/fraud. The Debt is in collections status through Amsher Collection Services. I have never lived in the place the debt was incurred. The debt is not mine. To my knowledge, I've never had an account with Charter Communications. A simple examination of my address history should show that I never took out an account in the city in which the Charter Communications debt was incurred. Below is the debt info taken from my XXXX Credit Report : Amsher Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$570.00} Original Creditor CHARTER COMMUNICATIONS LLC Past Due {$570.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; >PLACED FOR COLLECTION<
Product: Credit reporting or other personal consumer reports

Please check the information Concerning the Equifax Data Breach below in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation credit card payment not late XXXX XXXX  FCRA Violation auto loans not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account : XXXX ( XXXX XXXX ) is being reported as an OPEN account by XXXX XXXX but being reported as a COLLECTION according to Experian. A balance and past due balance of {$190.00} is being reported along with it being reported as a COLLECTION. The last day active is being reported as XX/XX/21 for XXXX, and XX/XX/21 for Experian which means this debt has not been validated. This debt has also been bought by a 3rd party debt buyer without my permission. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Provided bank with proof that claim was supposed to be in my favor but bank refused to help me and have now cause my account to become overdrawn.
Product: Credit card or prepaid card

I called the creditor who purchased the loan. Due to me being old and not being able to see well and not knowing exactly who they are I tried to make a 3-way call with my granddaughter. I was given a number to the attorney 's office that was given the file. They refused to talk with me because my granddaughter was on the line after I gave them authorization for them to be able to communicate with my granddaughter who was attempting to pay the debt off for me. They refused to transfer me over to a supervisor and refused to give me a fax number to send authorization in via fax. I'm a senior citizen with health issues and this has added alot of stress and this isn't good for me. This unresolved issue is adding for stress to me and I live alone. And I'm on fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to lift freeze on my account. Called them over 10 times and automated verification does not succeed, stating that I need to mail and or fax documents to prove identity. I have done this twice only to receive notice that I must do it again as I did not send required documents. I have been very careful to send exactly what they want as I need to refinance my home and they are being difficult with me.