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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern and dissatisfaction with the actions taken by Square Inc. regarding holding of my funds. On XX/XX/year>, I considered setting up Square for my small business. I had XXXX of my customers split a payment into XXXX parts, totaling {$1000.00}, and make payment on my Square via invoice. This was the only customer I used my Square account for, and both transactions, split into {$500.00} and {$550.00} respectively, and the payments were successful. I provided services to my customer in accordance with what I was paid for. However, on XX/XX/year>, I received a notice from Square, stating that they can no longer support my business and that they are deactivating my account. Furthermore, they mentioned that my funds will be held for a period of 90 days, which is set to expire on the XXXX of XXXX, and they would release my funds XXXX business days after that. Upon receiving the notice, I was at a loss as to why they would choose to close my account after my customer had just paid. The transactions were split into XXXX by the same client, and the services were already provided for. I reached out to my customer to file a dispute and have my payment made via a different means. She filed a dispute for {$550.00}, but the other {$500.00} we couldn't dispute. I reassured my client not to worry, as I would wait out the 90 days and get the funds when released. Square held my wages, income, and possible state and federal taxes for a complete period of 90 days. Just when I thought the wait was over and it was time to get my wage, I was still not able to transfer my funds. On what grounds or what purpose is my funds till being suspended? Because I chose to process payment through Square, they have made my business and my life incredibly frustrating. As a XXXX senior who chose not to give up and XXXX XXXX XXXX XXXX, Square is trying to XXXX XXXX XXXX XXXX XXXX XXXX. I earn little, and these people are trying to take a lump sum away from me. I want my money. 
I have reached out to them countless times, they dont respond, they leave customers like myself and thousands of others who have had to go through such horrific experience scourging in debts and poverty. 
This is a pure act of scam and wickedness!!!!!!
Product: Credit card

Today XX/XX/2024 I had called to close the account and this company had stated that I can not and that I am not eligible to close the account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE EMPLOYMENT XXXX XXXX. XXXX All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

R was between XXXX to XXXX. I have a line of credit with BOA. They charge me for high interest rates and fees. I feel I was charge more than I have to pay. No one in the branch at this time give me any documents help me to understand By the end I had to do refinance with other bank and close this account, but that cost me a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act my rights have violated. 

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 united accounts- {$4100.00} XXXX XXXXXXXX XXXX {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX 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

Please make note to 20 USC 1232g ( b ) - According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : ''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. '' '' EQUIFAX, XXXX, and XXXX '' are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared whereby this is backed by 15 USC 6801 which states : '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies EQUIFAX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states : " 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. Code 1681e states : '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EQUIFAX, XXXX, and XXXX are not maintaining reasonable procedures. 

In addition, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I looked at my report in XX/XX/year> and notice some information is incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. This account XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX is not completes and not accurate. 

XXXX XXXX XXXX account number XXXX open date is not reporting correctly, date laste active and date of last payment is not correct, this account is not accurate. 

XXXX XXXX account number XXXX open date is not reporting correctly, date laste active and date of last payment is not correct, this account is not accurate. 

I sent a letter to XXXX and Experian XX/XX/year> asking them to reinvestigate these accounts. 

I did not receive a reinvestigation letter back with any modified or updated information XX/XX/year>. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you look into this matter
Product: Credit card

Credit card showed unauthorized charges as I RARELY use the card in the amount of {$14000.00}. Advise them I did not authorize. Agent confirmed I would not be responsible for transactions, but I am still receiving statements.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Type : Factoring Company Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$970.00} {$970.00} Terms : 1 Month These are not my accounts. Per where they stated they originated, they have no such store here. I don't own the property they speak of. I have contacted the companies and they still placed the two accounts on my credit report. They continue to report inaccurate entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I viewed my XXXX credit report and found out that Citizens entered negative information about me that resulted in a XXXX point drop in my credit score. I called Citizens and informed them that their information was incorrect. I do not have an outstanding balance with Citizens and owe them nothing. They agreed and have stated that they will conduct an inquiry to try and get my credit score corrected. They said it will take two weeks. This is abslutely unacceppptable. I generally carry an XXXX plus credit score and Citizens careless mistake resulted in a dramatic drop in my good credit. Mistakes like this have real implicaations for consumers and it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an FTC Identity Theft Report Dispute to XXXX, XXXX & TransUnion requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by XXXX, XXXX & TransUnion on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past XXXX weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Mortgage

I received a phone call from Bank of America this morning letting me know that I had missed a payment ( about a week ago ) on a mortgage. Bank of America Variable Rate XXXX XXXX XXXX XXXX I said that I would log into BofA website and check the status and make a payment. They told me that PAST DUE payments are NOT displayed on the website, only future payments. Sure enough, when I logged on, I could see my NEXT payment due but not my current slightly late payment due. This is STUPID. How can I pay what is past due if the website will not show it to me. So I just paid and added {$100.00} or so to make sure it was covered. I then tried to find some way on the Bank of America website to send them a email or message to describe the problem. and I could not find any link to email or message them on line. This is STUPID. 

I might add that I missed a credit card payment by two days, and I made that payment today. But when I went to the Bank of America website it DID NOT show me the amount that was due, but it showed me the total due INCLUDING A PAYMENT NOT DUE FOR ANOTHER 25 days. STUPID STUPID STUPID. My credit card ending in XXXX Seems to be a pattern here, if I miss a payment on a credit card and log in, it shows me the total due included an accelerated amount for a payment not yet due. This is insipid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian credit report I have two items that are questionable. inaccurate and or incorrect. these accounts are " XXXX XXXX '' " XXXX XXXX XXXX '' on XX/XX/2022 VIA USPS CERTIFIED MAIL i have sent experian a letter requesting verification of the accounts in question and to this day XX/XX/2022 I have not received any form of communication from experian. 

The USPS TRACKING NUMBER is XXXX I know that experian is a credit reporting agency and they have rules to follow, they must correct or delete any inaccurate, incomplete or unverifiable information within 30 days. and since they have not, they have violated federal law.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a Dispute on XXXX website with ELAN FINANCIAL SERVICES whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a XXXX XXXX, and still am until XX/XX/XXXX ( currently in a XXXX XXXX  ). I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX  where I notified them of the crimes against me. Further, I included the Civil Court documents from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. XXXX XXXX and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While incarcerated, all my accounts were assigned to the address in XXXX XXXX  of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX ( except for 4 years I spent in a XXXX  XXXX during this term of XXXX XXXX and can clearly show this fact. Further, I am protected by the laws of XXXX  and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Product: Credit card or prepaid card

Hello, I have this XXXX  / SYNCHRONY BANK credit card since XX/XX/20. I paid {$100.00} every month and used this card for {$1900.00}. I was so amazed that they charged me {$1000.00}. Please see attachment below for your review. This company is killing the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT XXXX, XXXX. Original creditor : XXXX XXXX XXXX XXXX Contact info Name XXXX, XXXX. Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT. 

A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.
Product: Debt collection

When i first got this account i made it know to NEVER call my place of employment. An issue with their payment system during a flood delayed payments from posting. They called all day every day on my personal line until their system updated. This month I was actually in deed late and Today XX/XX/XXXX instead of being contacted on my personal line they called my place of employment which caused disciplinary action bc we are not supposed to get personal calls at work. No attempt was made to contact my personal line. No voicemails from conns on my personal line and when i called their payment center i was told that they didnt have my personal line. So somebody took it upon themselves to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX  and XXXX. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$400.00}