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

I'm submitting this compliant due to the negative information that Early Warning Services , LLC has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : Early Warning Services is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXXXXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of XXXX XXXX : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I requested the XXXX XXXX, Experian and XXXX, credit reporting to review my file on XXXX XXXX XXXX loans. 

XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 

XXXX nor Experian has not deleted these incorrect items on my credit report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   Equifax and  XXXX  that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with la w enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I keep getting calls from this number with threats of having me prosecuted and being verbally abusive.
Product: Debt collection

After 2 written letters to this company in the past year, multiple phone calls I have initiated and no answers ( Probably over 50 in total ), the company never has answered the calls and 2 complaints through this site the CFPB, I still have no resolution. The response was that they are accredited and they will no longer contact me via phone and will be direct mail only. This was never the issue, the issue is that they will not make/negotiate nor accept a lower amount of payment for the 2 accounts, nor respond to my written letters, nor can I contact them via phone call. This is ruining my credit and I will be contacting an attorney soon in the matter. They state that they are good with the XXXX and then I find this on the XXXX XXXX XXXX, Government Action : Consumer Financial Protection Bureau v Midland Credit Management Inc.. I want an immediate and financial amount to resolve the 2 accounts. The distraction techniques and ruining and extending my credit issues has gone on too long. I also will extend communication to the original creditors and explain the tactics, delaying and complicate behavior to them. My email address for immediate resolution is XXXX.
Product: Checking or savings account

XXXX XXXX XXXX is reporting fraud for a bank of america account bank of america closed there was no fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, and I'm the proud owner of a XXXX owned business, with our primary focus is consumer credit reporting. 

For the past 30 year I have lent my talents to nineteen of corporate Americas tops in their areas of expertise. I come to the table versed in areas most consumers would never, so I hope my concern as all concerns receive a watchful eye. 

Our consumer right regarding credit reporting is being abused at will and algorithms should shoulder most of the blame. 

The following companies are the ones who must receive this correspondence and must address all the below question with a proper human response and allow for proper follow up and the follow exchange. I will no longer accept automated responses, and neither should you. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Keet it Brief, Got it! 

The contractual agreement or arrangement between the lenders and creditors is not being upheld by the lenders. Area specific, reporting and posting. 

Willingly or unwillingly, the lenders and credit reporting agencies have withheld accurate reporting. Area specific, true value of loss regarding charge off, profit and loss reporting. 

The lenders and credit reporting agencies are using high tech tools to circumvent consumer protection laws and acts on a federal, state, and local level. Area specific, e-Oscar. 

The overseeing body, which is entrusted to enforce our consumer protections, has appeared to have lost the will to enforce a proper human response and adequate time for follow up. Area specific, CFPB. 

As a proud XXXX XXXX XXXX veteran of the XXXX XXXX, I swear an oath to protect this country from all enemies, foreign and domestic. My military training and skill have served me well in the private sector assessing danger on all fronts. 

Like our green berets and special forces, I too take my services profoundly serious. 

It's about the will to want, versus the will to say I can't. 

In closing, As a consumer I have rights. 
As a citizen I have rights. 
I equally understand if I don't exercise our right, industry will abuse our right and have us believing our rights don't exist. 

It ' time to change the narrative and ask the question no one is asking. Like, how do you serve XXXX masters credit reporting agencies? 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, Consumer Advocate, XXXX XXXX, Summary Judgment Intermediary Leverage Credit Recovery XXXX XXXX XXXX XXXX, New York XXXX Cell : XXXX Email : XXXX Website : Leverage Credit Recovery
Product: Debt collection

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX 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
Product: Credit card or prepaid card

Account ending in XXXX was opened in XXXX or XXXX of XXXX as a secured account with USBANK with a starting deposit of {$500.00} with my credit score being a XXXX. When applying for this account I was told if I made my first 12 payments on time that I would get my security deposit back. 

In XXXX of XXXX I had extreme issues with customer service which was escalated all the way to the office of the Vice President, which were never resolved and are only related since this is a retaliatory refusal to refund. 

In XXXX of XXXX I requested my security deposit back, at the time of the request I had a 100 % payment history with the account and on my credit score had jumped up up to XXXX. I was showing a low credit utilization, had increased my annual income by over {$20000.00} a year, and everything was looking great. They denied it. 

I decided to buckle down another 12 months since when I initially applied my credit was so low. In XXXX of XXXX I once again requested my security deposit back. At the time of request I had a credit score of XXXX, low credit utilization, and 100 % payment history with all accounts. My debt has gone down significantly, and I now make 5x what I was making when I put this deposit down. 

I have had this looked at by both employees of USBank and of other banks and lending institutions. The employees of USBank made it clear they have never seen a case like this before, and hinted at some notes on my file that were the actual cause of it not being refunded. The employees of other lending institutions said that USBank is abusing the design of a secured card and recommended that I make a complaint here. 

Before it is asked, I was given the option of paying it off in full, then driving to my nearest branch ( 200mi away ) to get my deposit back, it can only be done in person. I allowed USBank to hold my money without reasonable interest with an understanding that I would get this deposit back after 12 months if I held my end of the bargain, its been over 24 months, and Ive held my end, I expect them to hold theirs
Product: Money transfer, virtual currency, or money service

XX/XX/2022, I sent XXXX via PayPal to XXXX XXXX for tickets to a XXXX game. They insisted to send it as PayPal Family and Friends, and they would send tickets right away. As soon as the money was sent, they blocked us on XXXX and didn't send any tickets. Within the hour, the same day, I sent a report to XXXX, and asked XXXX XXXX for the money back. PayPal declined my request even though the funds have not left my back account yet. My bank says I have to wait to until the funds leave my account before they can investigate. PayPal says XXXX will have my money by XX/XX/XXXX, they should stop the transaction. 


XXXX XXXX - XXXX XX/XX/XXXX, XXXX Sent - {$94.00} Your recipient should have the money by XX/XX/2022. 

Repeat this transaction Paid with ( XXXX XXXX XXXX XXXX XXXX ) {$94.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Tickets XXXXXXXX XXXX XXXX Sent to XXXX XXXX  {$90.00} Fee {$4.00} Total
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
Accounts : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

Account Number:XXXX Creditor Name : Aldous And Associates Amount in Dispute : {$260.00} I am writing to formally file a complaint against ALDOUS AND ASSOCIATE regarding failure to validate a debt. 

I would like the CFPB to investigate this matter and ensure that ALDOUS AND ASSOCIATE comply with the Fair Debt Collection Practices Act by providing the necessary validation of the debt. 
Supporting Documentation : Sincerely, XXXX XXXX
Product: Checking or savings account

I have been a Wells Fargo customer since XXXX. Recently, there is a settlement between Wells Fargo and customers because of a data breach. 
On XX/XX/XXXX, I tried to use my debit card, but it didn't go through. I was noticed by phone that the card has been compromised and canceled. 
I would like to check if I'm eligible for the payment because of this inconvenience. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian for failing to properly investigate and verify disputed accounts on my credit report. Specifically, I have disputed the following accounts with Experian, which they claim belong to me without providing any legally required proof : They are reporting these accounts as open and with a balance every month, while I have repeatedly informed them of these accounts not belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my efforts to dispute these accounts under the Fair Credit Reporting Act ( FCRA ), Experian has come back stating that these accounts are mine but has failed to provide sufficient documentation or evidence to verify the debts. Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and must delete or correct any unverifiable or inaccurate information. Experian has not complied with these requirements by failing to produce : Proof of debt ownership, including original contracts or signed agreements confirming my liability. 
Clear and complete documentation of the verification process, including any communication with the original creditors and the evidence used to substantiate the debt.

Additionally, under 15 U.S.C. 1681s-2, data furnishers are also responsible for providing accurate information to credit reporting agencies. Since neither Experian nor the original creditors ( XXXX XXXX XXXX and XXXX XXXX XXXX  ) have provided proof of my liability, these accounts should be removed from my credit report immediately. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that Experian is held accountable for their failure to follow proper verification procedures as mandated by the FCRA. I also request that the CFPB require Experian to provide me with full documentation of any verification or, if they are unable to do so, to remove these accounts from my credit report. 

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

records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} TRANSUNION : XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 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 reporting or other personal consumer reports

My student loan balance and payment history is incorrect as my balance has been at XXXX since XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Product: Student loan

TransUnion reporting credit incorrectly. Student loan has been paid in full XXXX balance owed never late