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

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX v. XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my 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 : {$450.00} XXXX XXXX XXXXXXXX Balance : {$6300.00}
Product: Mortgage

I reread my previous Wells Fargo Claim in Class Action Settlement and it stated I withdrew my complaints. This is totally false due adverse actions to my credit scores to include my conventional home mortgage loan with Wells Fargo to purchase a home in XXXX XXXX De XXXX. Wells Fargo XXXX XXXX approved my home loan at a interest rate of 8.75 percent and my XXXX  XXXX XXXX accompanied me to closing due to my partner was out of town. XXXX XXXX, my Realtor XXXX was reviewing the closing documents and she and I noticed that Wells Fargo XXXX XXXX revealed that interest rate was 12.75 interest rate instead of 8.75. I told XXXX XXXX they falsely applied a XXXX percent increase interest rate at XXXX and they refused until I threatened legal criminal action. Therefore, they agreed to do a new loan closing document at XXXX instead of their illegal change from XXXX. 
Wells Fargo finally agreed to the correct interest rate and started closing process again and we finally closed the XXXX Mortgage XXXX at XXXX. It took XXXX hours to close the redone new loan at XXXX percent and Loan XXXX XXXX  XXXX XXXX  XXXX that she informed of her status and went wild due to losing Hundreds of Dollars for her illegal documents with a XXXX instead of XXXX percent. As far as I was concerned she attempted to defraud, illegal and criminal acts per her attempted to change my interest rate by XXXX percent She was friendly until we went to closing and spoke harshly to me that I was causing her Commisson on my Home Mortgage Loan! I was lied to and their illegal acts caused me severe stress. 

Thank you for additional class action case.
Product: Debt collection

Company has called my workplace claiming to speak about a small business matter disguising themselves when calling. The company has called repeated times during the week to my personal cellphone. The company calls my phone not stating theyre taking a debt collection but as consultants for a small business but it is for debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 3 accounts on my credit report from XXXX, which is a student loan servicer. The 3 loans were opened and placed on my credit report in 2006. Ive never defaulted on the loans and the loans were paid off. Ive contacted Experian to have them removed from my credit report because they have been on there well over 7 years. Experian failed to look into my dispute. I want these 3 accounts with XXXX removed from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

A check in the amount of {$34000.00} was endorsed to me. I deposited it, on XX/XX/year> and waited the ten days on hold. My balance at that time was {$1.00}. on XX/XX/year> it went to Available Balance. On XXXX XXXX I went to local branch and withdrew, {$30000.00} in cashiers checks. The bank manager was called over to authorize it because of the large amount. There was no problem. Leaving a balance of {$4000.00}. I went back about XXXX minutes later to get cash to go to casino and teller said it was frozen. Bank manager said, that I was just there and it wasn't frozen. He called and asked people on phone. Got nowhere because they said it may be fraudulent. It's not. Bank hasn't lost any money, the bank it came from hasn't lost any money, {$30000.00} cashiers checks got their money, no problem. Nothing has bounced their hasn't been any complaints.I have never done anything illegal in my life, not even a ticket. I've called multiple times and they hangup on me now. I requested my last bank statement and it's ending balance is {$0.00}. no fees for insufficient funds and says my deposits for the month of XXXX was {$64000.00} and withdraws {$64000.00}. they have kept {$4000.00} and said it will go to my state government after 2 years and I can put in a claim for it with the state. Obviously there is no fraud but they still won't give me my money. Please please help me. I tried to get help within their company ( Chase Bank ) and I just found out you existed. I did nothing wrong.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/year> I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.i request immediate investigation and removal of these e items, as it is incorrect and does not reflect my true credit history.
Product: Checking or savings account

I disputed a charge of {$1200.00} from XXXX, who were charging me for damage to one of their cars, a car for which I purchased the rental insurance and paid something like {$13.00} per day for nearly 6 months straight. I received a temporary credit when I disputed the charge a while back ; and, when I checked my bank account earlier today, to my outrage, the dispute credit was reversed ( meaning my bank sided with XXXX on this issue ). I. Want. My. Money. Back. I did not pay almost {$2500.00} over 5+ months of renting this car for the added rental car protection to have them charge me for incidentals that are meant to be covered by it. I am a student, and I need this money to pay for tuition and other expenses. It is my money, and I worked hard for it. I do not have a lot of financial freedom, and I am struggling enough to make it here in the XXXX XXXX area as it is without huge companies like Capital One and XXXX taking advantage of me.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. 

Experian is governed by 15 USC 1681 and have continued to violate my rights, Experian received notification in XXXX via FTC report of misreported information and all supporting documentation in regards to XXXX XXXX XXXX. This company also has received action by CFPB for their fraudulent practices and misreporting of consumer information. Experian continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX XXXX XXXX in the amount of {$1900.00} that is misreported on my file. This account XXXX XXXX XXXX must be removed from my Credit report and Experian held financially accountable for their false reporting of information. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX XXXX Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX  XXXX {$340.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash app egregiously failed to take timely and effective measures to prevent and address fraudulent actions on their platform, allowing my account to be vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they failed to comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss. I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received investigation results.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
0 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian received a copyright notice and copyright infringement notice on XX/XX/2022. They have ignored notice and are in violation of notice. They are also in violation of the following USC law/codes 15 USC 1681 ( a ) ( b ) ( 2 ) ( i ), 15 USC 1681 ( b ), 15 USC 1602 ( l ), 18 USC ( 8 ), 18 USC ( 501 ), 18 USC ( 1341 ) ( 1342 ) ( 1343 ), also UCC 3-302 ( 1 ), UCC 3-305, UCC 3-104 ( b ). If the said companies do not comply immediately I will be forced to take legal actions in civil court.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of fraudulent activity. Upon researching how to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section XXXX05B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving the report.
Product: Credit reporting

This is a dispute for accounts incorrectly listed on my credit report of which these fraudulent accounts and public records that " may be considered negative '', have been filed illegally without my permission and misconduct use of my stolen personal information such as my name, social security number, and birth date. It is Fraud Identity as I did not file this accounts/public records on the dates specified in the credit report when they were opened, nor did I sign for any such accounts/public records electronically. For the credit items accounts such as : XXXX, XXXX. of XXXX, and XXXX I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. For the public records account XXXX, I have never lived in that area before and I have absolutely no idea where that comes from or even why it appears on my credit report. I am only a resident and have only resided in the State of New York. I have also never been contacted by that and have no idea where that is located nor do I know what it is in regards to. 

I never filed any form online for such credit items accounts and public records, and I also never signed any electronic forms for any credit items accounts and public records online. Again this is Fruad Identity and I am disputing these credit items accounts, public records, and credit report. 

Thank you in advance for your patience and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three occasions, I tried to open a savings account at XXXX XXXX XXXX  branches located in XXXX, TX. The bank disapproved my application to open a basic savings account. The disapproval was solely communicated verbally and the bank refused to provide a written disapproval. The personnel I dealt with at XXXX XXXX XXXX  stated that they chose not to open a savings account for me because I appear to be a XXXX. I contacted ChexSystems. According to my latest ChexSystems report, I have no overdrawn bank accounts. I filed numerous complaints against XXXX XXXX with governmental authorities. Recently I received a letter from XXXX XXXX stating that they disapproved my application for a savings account due to information received from ChexSystems. They provided a letter on ChexSystems letterhead stating that ChexSystems disapproved the account. The ChexSystems letter disapproved the account, but stated no reason for the disapproval.