23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DIVERSIFIED ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against! Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Act ( EFTA ) 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

There are 2 late payments from Synchrony Bank/ CareCredit XXXX XXXX on my credit report that arent accurate and needs to be removed. My minimum due is {$100.00} on the XXXX. I paid {$670.00} on XXXX of XXXX. So I shouldnt have any late payments for the month of XXXX or XXXX. I had a late payment in XXXX but after talking to synchrony bank they said the would remove the late payment but when I checked my credit report the late payment was moved from XXXX to XXXX which should be illegal because I never missed any payments in XXXX. As part of the FCRA I need these late payments removed from my credit report immediately. 

By provisions of the fair credit reporting act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.
Product: Checking or savings account

Here are the USD account details for XXXX XXXX. 

Account holder : XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Wise 's address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States The above mentioned my wise account was deactivated at XXXX XX/XX/2023 without any prior information or warning email. My business is shutdown because all amount has stuck. While I generated an appeal for releasing of funds, mistakenly I put the receiving bank details of the same wise account. 
Now wise bank management is not responding. 
Kindly help me for the releasing of my amount. 
Regards, XXXX XXXX XXXX
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 XXXX XXXX Account # : XXXX Balance : {$160.00} has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. Remove these accounts within XXXX days of receiving this
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the handling of my consumer report by your company. As a consumer, I demand that you adhere to all applicable laws and regulations governing consumer reporting agencies. Below, I have outlined the specific issues and actions I expect you to take : Section I - Privacy, Permissible Purpose, & Lack of Notice Laws Privacy : I, XXXX XXXX XXXX, have not provided any consentverbal or writtento XXXX, XXXX, or TransUnion to report any information on my consumer report. This lack of consent violates the U.S. Congress 's mandate to ensure fairness, impartiality, and respect for consumers ' privacy rights. I demand that you provide evidence of any existing contract granting permission for such reporting withinXX/XX/XXXX days. Failure to produce this will result in the immediate exclusion of reported accounts from my consumer report. 

Permissible Purpose : Without my explicit written instructions, you do not have permissible purpose to furnish my personal information to any third party. I demand evidence of any contract granting you such permission within XX/XX/XXXX days. In the absence of this documentation, I expect you to promptly comply with the written instructions outlined in Section II. 

Lack of Notice : I was not provided with the necessary notices before my personal information was furnished to any third party, as required by the XXXX XXXX. I demand evidence of compliance with the notice requirements within XX/XX/XXXX days. Failure to provide this will result in immediate opt-out instructions from disclosure on my consumer report. 

Section II - Remedy List of information that I demand to have removed from my consumer report : Deletion of all but one instance of " XXXX XXXX XXXX '' from my name, with the middle name excluded. 
Reduction of my date of birth to only display the year, omitting the month and day. 
Retention of only one current address, with all others removed. 
Removal of monthly payment and past due amount details. 
Deletion of inquiries fromXX/XX/XXXX, andXX/XX/XXXX 
Removal of any comments associated with my accounts. 
Upon completion of these actions, I request a free copy of my updated consumer report reflecting the changes made. 

Section III - Additional Issues Late Payments : I demand that you cease reporting any late payments on my consumer report, as such information is excluded from consumer reports under the Fair Credit Reporting Act. I specifically request the deletion of any references to late payments from XXXX XXXX XXXX accounts and any other accounts not listed.

Charge Offs : Accounts listed as charged off must be deleted from my consumer report, as the IRS defines canceled debts/charge-offs as income, which is not reported on consumer reports. I request the removal of all charge-off accounts not previously listed. 

Failure to comply with these demands within the specified time frames will result in legal action, including seeking damages for defamation of character and violations of the Fair Credit Reporting Act. 

Thank you for your prompt attention to these matters.
Product: Consumer Loan

In XXXX I leased a vehicle from Honda. In XXXX before my 2 year lease was up I lost my job and my home. I did what I had to do and paid for my truck until the date of completion in XXXX. I paid everything I owed and handed in my vehicle and keys. I have been financial stable and back on my feet since XXXX. I am currently in the process of retiring my credit so that I can purchase a home for my children. While reviewing my report I noticed that my account American Honda is listed on my account as " Not in good standing ''. When I requested to have to item removed that delisted it as a charge off further decreasing my score. I would appreciate some help because this is unfair.
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature from the creditors listed below in which they have failed to respond within 45 days. I also sent letters to the credit Beaurus asking for a method of verification in which they refused to respond as well with 45 days! According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7.

Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. 

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 XXXXhey also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Vehicle loan or lease

This bank has put incorrect information on my credit report. I need them to correct it.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/year>, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 49 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 49 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting

TransUnion 's website deceptively offers consumers a report, presumed to be free, without clearly indicating that they are charging fees and signing the consumer up for a subscription service. The service is charged without asking the user for confirmation. The website intentionally obscures the pages that allow the user to cancel their account. Support staff is only available via an XXXX during certain hours, making it exceedingly difficult for overseas Americans to communicate with the company and cancel their accounts and charges. No email or chat support is provided. 

I am currently seeking confirmation of cancellation, after numerous reports from other consumers have established a pattern of intentional failure to cancel on TU 's part, combined with an intentionally obstinate call center, designed to make it difficult to leave the subscription program. I am also seeking to have my credit union block any charges if TU refuses. If TU fails to completely cancel my account and reverse any charges, I intend to contact the Attorney General to seek action against these deceptive trade practices, and may additionally file for recovery in small claims court.
Product: Credit reporting or other personal consumer reports

I demand XXXX XXXX  be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and transunion please remove it immediately
Product: Debt collection

They are trying to collect on a phone bill I do not owe! They tried to charge me for canceling phone service! My contract was up but they charged me a cancellation fee! It says that there is no cancellation fees if you stay for the whole two year contract! I never renewed my contract after it was up therfore I do n't owe them a cancellation fee since my contract was up. Plus they tried to make me pay for a month 's phone bill even though I cancelled the month before! And this has been more than 12 years since this happened. Staute is up on this and they need to stop harrasing me!
Product: Debt collection

This bill was not billed to insurance and it should have been. When I visited the office they accepted my insurance cards ran them as active and I was seen, a year or more later they said my insurance was inactive which is ridiculous! If my insurance was not active at the time of the visit I would have asked to NOT be seen so that I dont obtain a bill later.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX  XXXX AND XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX  ) XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I contacted Comenity bank at XXXX on XX/XX/XXXX advising I was being charged interest when it was supposed to be a promotional period. Comenity took over from XXXX for the XXXX extra points card in XX/XX/2022 and I have had nothing but problems since they took over the account. There was supposed to be a promotional period for each box office transaction for tickets for the XXXX over {$250.00} for six months no interest ( please see attached photograph from the website ). The bank has not held true to the published statement, nor have they responded to my complaint filed on XX/XX/XXXX. I was advised on the call on XX/XX/XXXX that the interest that was charged in error would be removed and the promotional period would be in stated. Neither of these actions has taken place, in fact you will see where the XXXX XXXX and XXXX statements all show interest being charged even though I have complied with the requirements for the promotional period. I called Comenity again on XX/XX/XXXX and was advised that nothing has been done with a complaint, they have 60 to 90 days to respond to that complaint, and I just need to be patient. I advised them that it had been 60 days at that point and I still have no resolution nor have I received any correspondence from them with the exception of my statements. I would like all of the incorrectly charged interest payments to be removed from my account and all balances that should be applied to the promotional accounts applied correctly. My call reference from XX/XX/XXXX call when I spoke to XXXX is XXXX, and in that conversation I advised I would file a complaint if I did not hear anything back from them by Friday, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX.
Product: Checking or savings account

I have been using Wise for over a year to receive business payments, and everything was functioning smoothly. However, both my personal and business accounts were suddenly closed. When I inquired about the reason, I received only automated responses stating that I had violated their terms and services, without any specific explanation. Furthermore, a payment of approximately {$11000.00} is currently stuck in my account. 

Despite reaching out multiple times and offering to provide any necessary documentation, they maintained that their decision was final. There are numerous complaints about Wise closing accounts without clear justification, and I am concerned that an error might have occurred in reviewing my accounts. I would like a clear and detailed explanation for the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used on AFFIRM INC. 
I have filed a police report and FTC complaint and they refuse to remove these fraudulent items from my credit report. 

ACCOUNTS REPORTING TO XXXX : XXXX XXXX  XXXX XXXX THEY MUST BE REMOVED AND VOIDED IMMEDIATELY.
Product: Mortgage

I applied for a refinance with Navy Federal Credit Union back in XX/XX/2020. I advised the mortgage counselor I woul be traveling so please let me know what things she would need so I could submit everything before I left. This counselor has done everything in her power to give me the runaround, just yesterday she wanted to order a new appraisal because of all the time that has passed. Several representatives offered to have a supervisor reach out, but none ever did ( at least 7 people said it ). This loan is a {$90000.00} refinance, everything needed was submitted over two months ago ( including everything for closing ). The mortgage counselor is deliberately holding my loan and no one at the company will intervene. I requested to have the .75 % up charge waived on my interest rate, she offered to submit the form for my request. She called me back 5 minutes later, the same day to tell me she saw that I had just changed my address and she was looking through my bank deposits and saw I was getting deposits from NY. So, I yelled at her and told her all I asked her to do was to request to have the fee waived. She tried to imply my interest rate was gon na be higher because it wasnt my primary home. Yet, the interest rates are listed for first and second homes. She tried to discriminate against me, because she had a problem with me getting the lower interest rate. At this point she hasnt moved my loan, and when the escalation team called me she beeped in on the other line. Escalations department told me that I had to answer the call, so they never addressed the complaint but had the mortgage counselor call me. As I am talking to the mortgage counselor, she begins to request stuff that was senseless. I am not sure why Navy Federal service has gone downhill but I am moving my money to another financial institution. She is not 5 months into this asking for paperwork all over again.