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

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$780.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to communicate with your Offices to have the alleged accounts listed in Exhibit B DELETED from my credit report. 

The alleged accounts listed in Exhibit B are false, invalid, inaccurate and carry no documented evidence as being valid. To the least, none of these items have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting these non-compliant and unverifiable items on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer the financial institution shall provide a notice of such furnishing of negative information in writing, to the customer. 
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I did not receive written notice from any of the Data Furnishers that they were going to report negative information to a consumer reporting agency. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that you ( XXXX, XXXX, and Equifax ) provide proof of the required notice. 

I demand certified proof that your offices and the Data Furnishers complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you need to present me with a certificate in testimony that all of the alleged items presented in Exhibit B are in fact valid and not subterfuge? 

I would like this affidavit to serve as my final notice to your offices to DELETE the alleged accounts listed in EXHIBIT B. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) *****
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint today to let you know that you have failed to comply with the Federal Law, Fair Credit Reporting Act section 605b, and continued reporting the disputed items without completely verifying the disputed items you are reporting on my Credit File. Previously, I have been asking you to send me copies of proof of verification or any documents you found along your investigation to prove that the disputed items belong to me. And you have failed to do so, but I see here that the disputed items are still being reported on my Credit File! This is a clear violation of my consumer rights under the protection of the Fair Credit Reporting act! Once again, I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. With you failing to send me copies of proof of verification or any documents, it should have been expected to have the disputed items removed from my Credit File, and yet you have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone utilizing an address in New Hampshire utilized my name and social security number to open a credit card account with Bank of America,  in the credit amount of {$7500.00}. I have never lived in NH and did not open this account. Being that items were charged to the account, and never paid, this began to affect my credit. I obtained a credit report and found this unauthorized account. In XX/XX/2018, I contacted Bank of America directly, specifically the fraud division, and explained everything. I was assured everything would be taken care of. By XX/XX/XXXX, I found out this was still appearing on my credit report. I filed disputes with all three credit reporting agencies. The results of the dispute came back on XX/XX/2018 that Bank of America declined the dispute and allegedly found this to be a proper verified account. It is NOT a valid account. I never applied for this and never resided in NH, and this is now negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 


US BKPT CT XXXX/XXXX BK CHPT XXXX  DISC
Product: Credit card or prepaid card

Has not reported to credit bureaus since XX/XX/2022. When I contacted via phone, man was nasty, rude and hung up on me. When I contacted via email on the site, I was told ( i have email saved in my account ) that they report every 30 days. Obviously a lie. 



Had trouble paying the bill during the system update. 

If you look at their XXXX XXXX, there is nothing but complaints. When they respond, they respond with a copy/paste canned answer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashap ( 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

Navy Federal refuses to give me statements for my account. They have taken away access to my account. I have no idea on purchases that were made on my account, because they are withholding statements. I am hereby refusing to pay now since they refuse to tell me anything about my account. I have supplied them with my identification like they requested before but still nothing. I am attaching identification again with this. If any negative activity appears on my credit report I will pursue legal action with the courts against Navy Federal.
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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally lodge a complaint against Equifax concerning their inaccurate reporting practices to the Consumer Reporting Agencies.

My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

I have been disputing the following account and it keeps getting validated. 

XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary Without Prejudice
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, that i may review to see if this account is valid. Moreover i contacted the original debt collector and they do not have my information on file.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not give a permissible purpose for all of these inquiries. I have notified the CRA. According to 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. Please remove inquiries immediately XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX  Dispute this XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX, NC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX  XXXX Dispute this XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX, MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customer 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 regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account number : XXXX As I am looking at my credit report, to my surprise Transunion and XXXX are reporting the above account incorrectly. Transunion is reporting date open XX/XX/XXXX and XXXX is reporting XX/XX/XXXX as a date open. Transunion is reporting a close date XX/XX/XXXX and XXXX is not reporting a close date. XXXX is also reporting my payment as charged off from XX/XX/XXXX to XX/XX/XXXX, while Transunion is not showing a payment history. According to the FCRA, I have the right to an accurate credit report.
Product: Credit reporting or other personal consumer reports

Water heater in house me, my daughter and grandkids live in went out and leaked everywhere in middle of night. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Neither my daughter nor I knew what to do. The only company that would come out charged XXXX {$4500.00} for new water heater. We had no idea how much it should have been. We didnt have that kind of money. They had us apply only for monthly payments. Right after all of this we were slightly late on a payment. All of our payments have been perfect otherwise. They sent the XXXX payment that was about XXXX weeks late to credit bureau. It caused our credit to drop significantly and is preventing us from getting help with another large need at the house
Product: Checking or savings account

I was write and check by XXXX XXXX for removal of a tree and topping of a tree boot the sum of {$1000.00} in XXXX of XXXX. I deposited the check into my chase account and they flagged the check. XXXX said they need to verify that XXXX was the issuer of the check and I t was written to me. I have chase the number that XXXX gave to me and chase said they could not verify it and so they wouldnt call it or the financial institution that she uses. Thay said that they are keeping the money till its verified. 
I went to XXXX XXXX  and the number XXXX provided me is the number attached to her bank account. 
This has caused me great troubles. My water has been shut off Im behind on my rent. I have a newborn a XXXX year old and a spouse who is a stay at home mom.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employers XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX remove wrong employers Also known as - Generational identifier - Year of birth XX/XX/XXXXAddresses XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX, TXXXXX wrong address
Product: Mortgage

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

Following banks have all refused me opening an account, citing consumer report and credit report as reason. PNC, XXXX XXXX, XXXX AND XXXX. CURRENT bank labeled me a liar by refusing to honor a legitimate dispute of unauthorized charges to my virtual card on my checking account and closed me out without my being able to discuss the problem which is internal of the bank itself. I understand but fail to agree with their reasoning. Yes I messed up with some financial stuff, but am I doomed to NOT having a safe place for my Social Security and Pension funds ( $ 3600 monthly ) to be deposited. I do not trust online banking and feel I should be given a chance to prove myself, rather than a flat denial of services.
Product: Credit reporting or other personal consumer reports

I reach out to Experian XXXX and XXXX in the year of XXXX this account is over the 7 year statue of limitation my last payment was XXXX of XXXX which the have updated this account but not remove this account I also sent letters to the creator with no response letters returned back to me
Product: Credit card

I received from Notable Capital of XXXX AZ on XX/XX/2016 a " Platinum Lease Card '' which I did not request. This card contains a full 16-digit card number, effective and expiration dates, my name & a magnetic strip on the reverse. It is accompanied by a letter showing available credit of {$150000.00} with a phone number and code for activation of the card. 

I never authorized them to send me offers of credit nor have I ever conducted business with their organization. It is my understanding that you have no right to send me these kinds of unsolicited offers. I am on the National Opt-Out Registry with the 3 major credit reporting bureaus. 

They should remove my name from their list for any further mailings and remove any information they may have added to my credit record immediately.
Product: Credit card or prepaid card

There was a Victoria secret card opened fraudulently in my name after having it closed in XXXX I checked my consumer credit report and I realized I had a late payment from XXXX. Which makes no sense because my card was closed in XXXX. This late payment has damaged my consumer credit score on a massive level. It has also caused me to have many inquiries on my account because I was wondering why I wasn't getting approved for cards I qualified for. 

I called the company they claim they would rectify the issue ASAP by crediting the account. However I logged into my XXXX  today and it's still showing that I had a late payment. Which in fact I did not. 

Lastly the late payment is also fraudulent. Because according to 15 U.S Code 1666 it's a billing error.

( b ) Grace period " If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additionalfinance charge, such additionalfinance chargemay not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which thefinance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of thatfinance charge. '' They are also committing aggravated Identity Theft because I never gave them consent to report my personal information to any third party source or company. Pursuant to 18 US Code 1028A - Aggravated identity theft.
Product: Debt collection

CREDITOR ACCT SEE ATTACHED LETTER CREDENCE SEE ATTACHED LETTER SUPERVISOR XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX AND TO WHOM IT MAY CONCERN 1.  XXXX XXXX XXXX NEVER INSTALLED XXXX 2. NO XXXX XXXX XXXX EMPLOYEE OR SUB AGENT NEVER CAME TO MY PROPERTY TO INSTALL ANY XXXX XXXX XXXX TECHNOLOGY I CHALLENGE XXXX XXXX XXXX TO SHOW PROOF THAT XXXX XXXX XXXX OR SUB AGENT REPRESENTING XXXX XXXX XXXX EVER CAME TO MY PROPERTY AND INSTALLED THE XXXX TECHNOLOGY. AS THIS DID NOT HAPPEN THIS IS A FRAUDALENT BILLING AND DEBT COLLECTION THESE ARE FACT BASED STATEMENTS, HOW COULD THERE POSSIBLY BE A DEBT FOR ANY AMOUNT MUCH LESS {$600.00} WHEN NO PARTY REPRESENTING XXXX XXXX XXXX INSTALLED ANY SERVICE FOR XXXX XXXX XXXX TO BILL ME ANY AMOUNT OF MONEY? 

I AM REQUIRING XXXX XXXX XXXX & CREDENCE TO IMMEDIATELY RESPOND AND CLEAR THIS MATTER UP AND PROVIDE ME IN WRITING THIS IS A XXXX BALANCE. 
THERE IS NO OTHER OPTION TO RESOLVE XXXX XXXX XXXX BILLING ERROR, ONCE AGAIN BY XXXX XXXX XXXX - TYPICAL XXXX XXXX XXXX IF XXXX XXXX XXXX OR CREDENCE FILES AN ERRONEOUS DEBT ON MY CREDIT I FILE, I WILL PURSUE THIS LEGALLY. 

I FULLY EXPECT AN IMMEDIATE RESPONSE IN WRITING CLEARING ME OF THIS HORRIBLE ERROR BY XXXX XXXX XXXX UP.