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

Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, 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 be it, and ; 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; 5. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time.

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.
Product: Checking or savings account

DOMAININDICATOR : COL ATTACHMENTSIZE:0 ECI:XXXX PCUSTSEG : PHP PRODTYPE : RBG SMPODID : XXXX CIPDOMAIN : XXXX PRODUCT CODE:XXXX SUB PRODUCT CODE:XXXX ACCOUNT NUMBER : XXXX SERVICE FEE DATE:XXXX SERVICE FEE AMOUNT : {$340.00} I am going through financial hardship. I have been Charged XXXX in insufficient fees begging on XX/XX/XXXX. I can not control the ACH debits from other financial institutions because thats how they do business. When it hits I get charged XXXX every-time.There is nothing I can do and Im paying these fees that I have no control over. I dont have the funds to cover the ACH in the first place and getting charged over and over in one months time to the total of XXXX is usury. When I call in to customer service they say there is nothing that they can do. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXXR - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into XXXX XXXX XXXX XXXX  regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by XXXX XXXX XXXX XXXX  will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately. 

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders XXXX XXXX XXXX XXXX  reporting of this account inaccurate. 

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.
Product: Credit reporting or other personal consumer reports

I am filing complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U & gt ; S & gt ; C & gt ; 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 federal law and provides consumers with the necessary proof of investigation. 
Name of Account- 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have filed several FTC reports with Identity Theft. Gov regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX It needs to be removed from my Equifax consumer report immediately as it is removed from the other 2 reporting agencies and it needs to be removed according to 15 USC 1681 ( i ) regarding Identity theft I sent the documents and they where confirmed receipt on XXXX I have it attached and Equifax as passed the expiration date of 4 Calendar days and that is a violation. 

In addition I sent them information regarding the student loan Navient that according to FCRA law 623 ( a ) ( B ) should be correct as I was in deferrment and made a payment so there is no way that I would be 90 days late. 

I want XXXX to be deleted off of my consumer report immediately as well because it has not corrected itself and its just been violation after violation and the only means to get the matter rectified is legally but regarding the consumer report they are in violation of reporting accurate information and therefore EQUIFAX must correct the inaccuaracy buy removing the 90day late payment remark. 

This has caused me to loose millions and caused me to not be able to obtain credit and I am seeking litigation starting with the violations and some damages starting at XXXX and its increasing more and more as I have lost employment and business opprotunties and housing do to equifax negligence in accuracy reporting and investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma sent an email notification that I had a " derogatory mark '' on my credit when I did not. This is a type of click-bait and is inaccurate about my account. The rep from the company claims that the email is a " recommendation '', even though the email clearly states " View Derogatory Mark. '' This type of language would lead a reasonable person that there is, in fact, an actual mark to be viewed.
Product: Credit reporting or other personal consumer reports

Inquiries I disputed have been removed because of fraud or identity theft as well as names misspelled and wrong addresses have been corrected but they have yet to update my credit score or furnish proof that they are authorized to report in my state or provide anything about the bankruptcies on my report in writing with my signature giving consent for the information reported on my credit report or who the company is that provided the information as courts do not provide that information to any credit bureau and if a third party does give me written proof of me signing a contract to provide the information or remove all 3 bankruptcies from my credit report and its well over a year of fighting to remove inaccurate information from my credit reports and have my credit score refreshed after deletions and per 15 USC 1681 that law states its supposed to be removed.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have opted out of any and all authorizations I the consumer may have given in written, unwritten, verbal or non-verbal communication per 15 USC 6802. I have sent letters to XXXX, Equifax and XXXX to have the following accounts removed, and they are not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

My mother, XXXX XXXX XXXX ( now deceased ) received two checks from Wells Fargo because of a legal dispute and settlement with the Consumer Financial Protection Bureau and the OCC. The first check was for {$8300.00} ( tracking # XXXX XXXX. The second check was for {$1300.00} ( tracking # XXXX XXXX. 
I contacted Wells Fargo to let them know my mother was deceased and they stated they would reissue the checks ( from two different departments ) but they would need a copy of my ID and a copy of my mother 's Will. 
I sent them a copy of my social security card, drivers license, marriage license showing name change and a copy of my mother 's Will. 
They have still not sent a check for the {$1300.00}, stating there are other names on the Will. 
XXXX XXXX XXXXdeceased XXXX XXXX XXXX XXXX XXXX-my brother ( to receive cash that was in my mother 's saving account only. The remaining estate to be divided between my sister XXXX XXXX and myself. 

The first check was sent to me XX/XX/2020 in the amount of {$8300.00} in my name and my sisters name. 
I have made numerous attempts to contact my sister through email, phone and text. She will not respond to meet me at the bank to cash this check. 

My complaint is : When I contacted Wells Fargo to have them cancel the check for {$8300.00} and reissue two checks, one to my sister and one to me, in the amounts of {$4100.00} each, they stated they can not reissue the check. I asked them if I'm just out {$8300.00} and the representatives response was YES. 

The second check for {$1300.00} is still being evaluated due to multiple names on my mother 's Will. 

I would appreciate any guidance you can offer in this matter. 

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$5200.00} XXXX XXXX XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

My Bank of America conventional mortgage has PayPlan set up with automatic payments set up to pay my monthly mortgage payment. I received a certified letter on XX/XX/XXXX that I was delinquent on my mortgage which obviously came as a huge surprise due to my mortgage being on autopay. I logged into my online account and saw that the last auto mortgage payment was made on XX/XX/XXXX. There were no automatic payments made on XX/XX/XXXX and XX/XX/XXXX as there was supposed to be. My PayPlan still seems to be " active '' and it says the next payment is scheduled for XX/XX/XXXX. I immediately made a one-time payment of {$7600.00} which posted on XX/XX/XXXX to cover the 2 months that were supposed to be paid as well as a {$75.00} " late fee ''. I then sent a secure message to BoA requesting info on why my PayPlan did not pay the mortgage as it should have automatically as well as a credit for the late fee I paid. On XX/XX/XXXX, the payment I made to bring my account up to date was reversed. It says " MISAPPLICATION REV '' on the reversal. The money was never returned to my checking account where it came from, but it was unapplied from my mortgage. This same day, BoA reported to the credit agencies that I was delinquent on my mortgage by 2 months and also applied another {$75.00} late fee for good measure. I tried calling BoA for help and they keep bouncing me back and forth between their checking account and mortgage depts with both telling me the other can help when no one has.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Point Coll account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

First Point Coll ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

XXXX has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report related to an account with XXXX XXXX. This issue has caused significant damage to my credit, and I am requesting immediate investigation and correction. 

Here are the details of the situation : - The account in question shows a charge-off status with a balance of ** $ XXXX. 
- The account was originally tied to a car loan through XXXX XXXX XXXX, which was paid off **over a year ago** when my car was totaled out. 
- The insurance company, XXXX XXXX XXXX paid off the loan in full, amounting to **over $ XXXX. 
- The credit report initially reflected a balance of ** {$0.00} owed**, but out of nowhere, XXXX XXXX has reported a **charge-off** with a balance of {$6000.00}, which is incorrect. 
- **I never had an account directly with XXXX XXXX XXXX it was always through XXXX XXXX XXXX. 

This erroneous charge-off status and the incorrect balance of {$6000.00} should be immediately removed from my credit report. 

I request that the CFPB investigate this issue and assist in getting this erroneous information deleted from my credit report, as it is negatively impacting my financial standing. I have already attempted to resolve this directly with XXXX XXXX, but the issue persists. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as quickly as possible. 

My balance showed XXXX from XXXX and then I wake up this morning Im showing XXXX charged off thats impossible! They should not be allowed to damaged consumer credit like this knowing they received funds to clear the full Balance of the loan!!! Consumers didnt even know they took our loans or anything we had to search social media and other places to find things out and I made my payments faithfully until My truck was totaled out! And they were paid the balance of XXXX! For XXXX XXXX XXXX. They took my warranty away and everything I had for 2 years owning this car until XXXX XXXX XXXX went out of business. 

This was closed at XXXX balance and removed and placed back without notice with a huge balance thats incorrect.
Product: Debt collection

This is my last attempt to rectify this situation with Captial One before seeking legal action. I have disputed this information numerous times also sending a FTC affidavit to the credit reporting agencies with my dispute and in return i receive this pre-made response stating " VERIFIED ''. I have reached out to Capital one concerning these accounts and no one could find the accounts. My name and address does not match any information in your system nor have I called capital one to give any of my personal information to anyone at Capital one including demographic information. Credit reporting agencies do not do a thorough investigation. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am a nevada  resident and have been for over 10 yrs. I am requesting a credit agreement with my signature, a signed application, proof that I was the one who agreed to open the accounts, I want to know how was the account opened was it online or in person, I want to know was there a utility bill of some sort sent in for verification, was there a passport or id sent in both are acceptable for verification. The burden of proof is not on the consumer if the consumer did not open the account. The consumer will have nothing to show if the credit account is due to identity theft. The accounts that are in question walmart that shows on my credit report opened in XXXX of XXXX, a capital one that was opened in XXXX of XXXX, and a kohl card that was opened in XXXX of XXXX. I do not have a credit card number to any of the accounts so I can not give information to something I did not open nor do the credit bureau have an account number on my report at least not a full one. Do not attempt to change the address in your files to match whats in your system. My Nevada  address is solely for you to correspond with me. If capital one attempts to do so this will be considered fictitious malpractice on capital one and I will contact the Federal Trade Commission and the Attorney General Office.