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

XXXX XXXX XXXX XXXX Your Address ] [ City, State, ZIP Code ] [ Date ] VyStar Credit Union XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dispute of 30-Day Late Payment Reporting for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the reporting of a 30-day late payment for XX/XX/year>, as furnished by VyStar Credit Union to XXXX and XXXX. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations, which require furnishers of information to provide timely and accurate notice to consumers regarding negative information. 

Violation of Notice Requirements Pursuant to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) and 12 C.F.R. 1022.7, a financial institution must provide notice to the consumer no later than 30 days after furnishing negative information to a credit reporting agency ( CRA ). Specifically : After providing the initial notice, the institution is not required to send additional notices if subsequent negative information is reported about the same account or transaction. 

VyStar Credit Union failed to comply with this requirement. I did not receive proper notice within 30 days of the negative information being furnished to XXXX and XXXX. This failure to follow federal law has resulted in inaccurate and unfair reporting on my consumer credit file. 

Request for Immediate Action I demand that VyStar Credit Union : XXXX. Remove the XXXX late payment for XX/XX/year> from XXXX and XXXX. 
XXXX. Provide evidence that the notice of negative information was sent to me in compliance with 12 C.F.R. 1022.7 and 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Failure to comply with this request will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 



Conclusion VyStar Credit Unions failure to adhere to federal law has caused significant harm to my creditworthiness. I request immediate rectification of this matter to prevent further damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd Request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1975. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information, I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX/ Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX UNIVERSITY OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX
Product: Debt collection

Name XXXX XXXX Address XXXX XXXX XXXX XXXX Phone Number XXXX XX/XX/2023 Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are not accurate for the following items : Party Owed : XXXX Amount : {$28000.00} Account Number : XXXX Party Owed : American Express XXXX : XXXX Account Number : XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. 

Sincerely,
Product: Payday loan, title loan, or personal loan

Went in to Titlemax on XXXX/XXXX/2017 took out loan for XXXX was offered XXXX. Signed all paperwork electronically. They advised everything is done electronically now there are no more paper copies. I have had over XXXX loans with them and have paid all of them off on time. I called back today to see about obtaining XXXX more of what was available, and was informed that I have to wait 33 day waiting period and this was never informed to me, they also said they are changing there products so if I come in after 33 days and obtain additional money it will be based on my income and also, I will no longer be paying installment plans because, they are chaining there rules effect next week. No one sent or notified any of the borrower 's of these changes. This is not fair. You can not just change the rules to make more money, one day. Please assist me.
Product: Credit card or prepaid card

XX/XX/XXXX {$1200.00} Amount charged for goods never delivered. 
Disputed the charges capital one on XX/XX/XXXX capital one sided with Merchant.
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies without my permission and consent and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX  and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX  and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.
Product: Consumer Loan

The Cash Store continues to call me while I am at work, even though I left XXXX messages telling them that I work from XXXX-XXXX Monday through Friday and may have to work some Saturdays depending on workflow. I just starting working at this job on XXXX/XXXX/XXXX and I am on probation until XX/XX/XXXX. I work in a call center environment and these calls are disruptive to me because I ca n't take their calls because I am at. I did speak an attorney and he advised they are suppose to call him during the times I asked them to. Their continuous calls are stressing me out and would rather communicate with them through written communication only. If I lose this job, then they will not get anything from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i found some inquiries on my credit that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. All credit bureaus are not reporting the same information.
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 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. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) DEPT OF EDUCATION/XXXX  - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX,
Product: Debt collection

CAC Financial Corporation apparently charged my son for a medical debt, and put it on my credit report when I clearly stated to the company my son had XXXX XXXX XXXX gave the company all the information to file anything that was owed, I was also not aware that the company was sending anything to a debt company because I was helpful with trying to solve the problem, I'm taking it that the company didn't try to run the insurance to resolve the problem just sent it straight to collections
Product: Credit reporting or other personal consumer reports

I have disputed this item numerous times in the last years, Experian and/or creditor fail to investigate the matter and just brush me off with canned response that the information has been verified but fail to provide proof and method of validation. 
Creditor has demonstrated inconsistent reporting as seen in the attached XXXX XXXX report that I have high lighted the inconsistency across the XXXX major credit bureaus that demonstrates the creditor 's inconsistent reporting, FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 
This inaccurate reporting is affecting my ability to obtain credit as seen in the attached adverse action letter from XXXX. 
The CFPB and XXXX needs to implement some kind of measure to hold not only the creditor ( XXXX ) but the credit reporting agencies responsible. I have been looking into XXXX XXXX and have seen where consumers can sue for remedy but the average consumer doesn't have the know how or the time to follow through and the credit reporting agency and/or creditors take advantage of that and do whatever the XXXX they want to and if the consumer pushes back most time they get blown off or they try to intimidate them.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found inaccuracies that are covered by 15 USC 16c-2. This incorrect information is harming my credit standing, and since I never authorized these inquiries,
Product: Student loan

Every year when it comes time to recertify for an IBR, Navient will give me a specific number that I have to repay. Sometimes it has to be recalculated, because my wife also has student loans to pay back, and every year, they fail to include her loans. I always send my tax statements as proof of income. Every year they manage to flub the process up. This year in particular, when recertifying, I was given a payment of {$160.00}, and then in an email, I was given a payment of {$200.00} ( XX/XX/XXXX email ) and then when I went to make my payment on Thursday, XX/XX/XXXX, the payment says {$270.00}. I called Navient, yet again that same day and was put on hold for a supervisor and was hung up on or disconnected. I called back, again, and got a supervisor on the phone, who allegedly ran the numbers and told me that was the final amount ( {$270.00} ) and they could not go any lower. I explained that this isn't feasible because of my wife 's student loans ( she has to recertify this month and she goes through the same thing each year ) and because of all of our other bills, mortgage, car payments, bills, insurances, child care, etc, and the supervisor refused to budge and would not assist me any further. This happens every single year with these people. In viewing the lawsuits against Navient, I see that this is a common practice of theirs, in refusing assistance to those who can not afford the amount they set.
Product: Debt collection

I have received multiple letters and phone calls from Lotane and Associates PA XXXX FL in attempts to collect a debt I settled in XX/XX/2015 for {$1000.00}. I've left messages several times with the office to no avail. I receive a notice every few months, more frequently at times, offering to settle the account. I've got a statement from the firm that the account was paid in full and a copy of my receipt of payment.
Product: Credit reporting or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 
Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX L A
Product: Student loan

My daughter and I borrowed money from Sallie Mae to cover tuition for XXXX semesters at the University XXXX. The checks were written to the University and endorsed by my daughter. XXXX of these loans are now being handled by XXXX, which I do n't totally understand. We are trying to consolidate these loans and hopefully negotiate a lower interest rate. There are institutions that are willing to help but claim that if the loans do not show up in the XXXX XXXX XXXX XXXX ( XXXX ) they can not help us. I do not understand how money that was borrowed from the Federal Government and used strictly for tuition is not considered a Federal Student Loan.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the account listed as XXXX XXXX XXXX - XXXX - {$0.00} on my TransUnion credit report. The account shows a {$0.00} balance, which raises doubts about the accuracy of the charge-off. This entry is negatively affecting my credit score, and I request that it be thoroughly investigated and removed if it can not be properly verified.
Product: Debt collection

CFPB, I stopped using the XXXX XXXX platform in XXXX. 

On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$1200.00}. I didnt owe XXXX  XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX PST Saturday, XXXX XXXX - XXXX XXXX PST XXXX : XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian Credit Bureau letters to dispute XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and XXXX on XX/XX/XXXX to get these accounts removed from my credit profile as they are not mine. I have no knowledge of these accounts. My information has been leaked through the dark web. I have disputed online, over the phone multiple times and sent in letters to Experian and they refuse to remove it from my profile. I have spoken to agents from Experian where they have stated that they don't require these creditors to send any type of proof. It is my right under the fair credit act that these accounts send me proof and or verification. These accounts were opened in fraud and I want them removed from my profile as it has been over 30 days. I have made the same complaints with the CFPB and still have not received any information in regards to my complaints.
Product: Credit card or prepaid card

I applied fidelity rewards account and was denied and havent been able to find out why.. but my credit is excellent so I dint see why I wasnt approved..
Product: Credit card

I 'm being reported as 30 days late with my payment. I 've never been late
Product: Payday loan, title loan, or personal loan

Keep getting phone call from XXXX XXXX, XXXX XXXX XXXX claiming money owed of approximate {$7000.00}. from 2011. I do not recall ever doing a Payday loan. He keep threatening me with court documents. Mr. XXXX claims he is an arbitrator for the company. I requested documents and he stated I could not get them until I went to court. I have no court date and he says that he would have to have law enforcement to serve me. I am disturbed about this and very concerned that they can arrest me or have me sitting in court. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent, inaccurate as well as unverifiable information being reported on my credit report that is damaging my credit worthiness according to Section 609 ( d ) of the Fair Credit Reporting Act they must be removed immediately. 

XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATION/XXXX XXXX XXXX Closed DEPT OF EDUCATION/XXXX XXXX XXXX Closed XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} Transunion : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX  {$830.00} DEPT OF EDUCATIONXXXX XXXXXXXX XX/XX/XXXX Closed DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX : XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$830.00} DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX Closed DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX Closed XXXX XXXX XXXX {$290.00} XXXX XXXX 
XXXX XXXX  Collection {$860.00} XXXX XXXX XXXX XXXX XXXX {$440.00XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}
Product: Checking or savings account

On XXXX XXXX, I was a victim of fraud. Fraud claims XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX were opened with Wells Fargo. Wells Fargo denied all claims of fraud and I requested XXXX XXXX investigation documentation on XXXX XXXX. I received the documentation on XXXX XXXX, however, it was inadequate. The routing and account number where the funds were sent was not included in the investigation. This is an essential component of the investigation proving the funds were sent erroneously due to fraud.
Product: Checking or savings account

A fraudulent checking account was opening in my name in XXXX. I notified Citi bank they opened a fraudulent account and were processing fraudulent transactions in my name. From my knowledge, they closed the account and that was that. Now for XXXX tax year, I receive a 1099-C for cancellation of debt from an over drafted account. This is the only thing I believe this can relate to. When calling, no one can find any account information on me or confirm I was issued a 1099-C.
Product: Money transfer, virtual currency, or money service

XXXX 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.