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

In accordance with the fair credit reporting actXX/XX/XXXXaccount 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 card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.The Credit bureaus stated my account was properly investigation but how is that possible if the monthly payment, date opened, balance terms, credit limit, past due, last reported, comments, Date last active, date of last payment etc last reported is not accurate. This ground for removal they also violated my rights under 15 USC 1681i ( 5 ) ( a ) ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and reinvestigation; and ( it ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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 Also the Credit bureaus has received my documents for dispute on XX/XX/2023 and have not sent out a notification to me as yet stating they received my documents and processed my dispute here is my certified mail tracking # XXXX
Product: Checking or savings account

I opened a business bank account with Chase in XXXX in early XXXX and deposited XXXX using a check from my personal account. After the check cleared and funds deposited into the account, Chase informed me that they couldnt verify my ownership in the llc and closed my account and froze my funds on fraud. Its has been a month of going back and forth with the back end office and the help of my banker from the branch and they still would not release my funds. Their excuse is they cant verify my ownership in the Secretary of State website of PA. So I had made numerous calls to the department of state of PA and was informed and confirmed that PA down not recognize owners in LLCs and once its submitted during incorporation, they do not change it on their website. 
The state employees gave me instructions to file an amendment for certificate of authority, which shows my name and address as the owner of my LLC and I paid XXXX dollars to expedited on the XXXX of XXXX. After I sent in the supporting documents, Chase came back and said they dont accept it with no further explanation. I have them the benefit of the doubt and went on to try and open business accounts at both XXXX XXXX  and XXXX, which they approved in less than 3 days. At this point, my banker and I have filed many complaints towards the back end office and trying to get an explanation of why they still wont open my account and release my funds with no response. I called back to the department of state to check again if there is anything more I can do to show that I indeed own my company, which they say the only thing left is to file a statement of correction and remove XXXX the XXXX XXXX XXXX and have my name appear. In which I paid anothe XXXX for expedited fees and had sent it over a few days ago. And now, still no response from so called team who should have the basic knowledge or competence to pick up a phone and verify with the department of state of the information they received. But as of right now, there has been no response or explanation of any kind. This is unacceptable and just a disappointment for such an institution to be treating Americans who just want to make a living.
Product: Checking or savings account

On XX/XX/XXXX, my NFCU bank account login was hacked. I was contacted by the scammers unbeknownst to myself. A " XXXX XXXX '' took out a XXXX loan while in my account and I never received the loan documents or authorized this loan. Once the money had been deposited into XXXX of my checking accounts, the scammers got XXXX separate transactions from that XXXX deposit totaling {$8900.00}. This was reported to NFCU when they told me to update my phone, change all email passwords, before allowing me access back into my NFCU account. My initial fraud claim was denied and I received this notice when I got a letter from NFCU stating I owe them {$17000.00}. I filed an appeal and on XX/XX/XXXX I was notified over the phone that my appeal will also be denied still finding me liable. On XX/XX/XXXX I contacted the security department to request what steps were taken to even look into this fraud claim and they told me they can not share anything with me regarding the reason for denial and my only recourse is yet another appeal. I am seeking legal assistance to combat this wrongful decision. 
Attached is the statement from my mobile app showing the loan for XXXX has been satisfied. 

Since the appeal was written in XXXX, I have learned from the XXXX XXXX department that the individual who applied for the loan put down his name as " XXXX XXXX '' and stated he had no income and was a part-time XXXX XXXX No one by the name of XXXX XXXX is an authorized user on my account, and as previously stated, I was locked out of my account when NFCU authorized this fraudulent loan and allowed XXXX external bank transfers to take place from this XXXX deposit into my checking account. 

I plan to add this information to the second appeal form since it has been brought to my attention that they apparently do no additional investigations themselves and rely on the statements I provide to make their determination. 

In no way is NFCU losing {$17000.00} and therefore it is exceedingly apparent they are grossly negligent in their demand for my repayment of such a figure within their denial letters.
Product: Prepaid card

A card that I always used Had said it was it was deactivated contacted rushcard many of times would even get hung up on bounced around no solution given and I ended up receiving an eviction letter from my landlord there 's money missing off of my account there is double charges and still no answers I have XXXX children XXXX with XXXX and I 'm a single parent where we supposed to go and all we can get is no fees for certain amount of time and an apology
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXl, XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, has violated my rights. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX. The following personal information is incorrect Employers : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 



Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX is a XXXX XXXX XXXX that has the authority to verify my 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 consumer Financial Protection Act ( CFPB ). 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 disputes 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, credit repair services, or other personal consumer reports

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided letters to XXXX, XXXX  and Equifax requesting that they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. However they have fail to honor my request and they are also Violating the FDCPA 807. False or misleading representations. with the information
Product: Debt collection

Back on XXXX/XXXX/2015 we disputed a credit report entry from Credit Systems international. After the dispute with case numbers XXXX and XXXX, Credit Systems international agreed to delete the entry because " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX does not show to be a good address for mail delivery. There were no telephone numbers on the file to attempt contact with XXXX XXXX. 
We attach our required verification of the debt. If XXXX XXXX disputes the validity of the charges, and if she will furnish our office what the dispute is, we will open an investigation. 
A request to delete the report from the Credit Reporting Agencies ( CRA ) has been requested and no further reports will be requested for a minimum of 60 days to allow XXXX XXXX sufficient time to review the itemized statement and/or notify us of any errors '' We then sent them a debt validation letter with specific information they need to send to me to validate the debt, not just say they have validated the debt. We uploaded into the CFPB system with the above claim # as well as mailed it certified mail # XXXX on XXXX XXXX, 2015 which they received on XXXX XXXX, 2015 @ XXXX. Not once they they respond and now again I find the charges on my credit report. I want these charges removed immediately until the information I requested is sent to me in accordance with HIPAA laws. I will again attach the original letter I sent them to this claim
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Multiple credit bureaus have a debt collection on my credit report that does not belong to me. The debt collection is for XXXX XXXX XXXX XXXX XXXX   and it was opened XX/XX/XXXX. From what I've been told from XXXX, it states that this is a debt from XXXX. I di not live at this location in XXXX and I never have lived at this location.My address was in XXXX, TX and still is today. Pro Collect has been harassing me nonstop to collect this debt even after I told them it was not me. They told me to fax private information proving this was not me, which is not safe nor feasible during this time. XXXX continues to deny my dispute and will not assist me. I continue to get the run around and this needs to be removed. The debt is for {$1200.00}. I am attaching documents proving my address in XXXX.
Product: Credit reporting or other personal consumer reports

I have been on my credit report lately and have seen after many tries to remove inaccuracies from all three agencies i have not been successful. so to me this CONSPIRACY against my credit report must be reported. more that 11-14 discrepancies are reflecting on trans union , XXXX and XXXX all inaccuracies that still hurt me and hinder me from living a productive life daily. In accordance with the fair house credit reporting act these credit reporting agencies have violated my rights under 15 usc 1681 section A section section 602 I have the right the privacy/ 15 usc 1681 section 604 a states a consumer reporting agency can not furnish an account without my written instruction./ 15 usc 1666b a creditor may not treat a late payment on a credit card account on an open end consumer plan as late for any purpose.
Product: Debt collection

I have sent out mulitiple request showing i have been a victim of identity theft and i have reached out sent out letters with alot of resistance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the validity of the alleged debt associated with account number XXXX, which you claim I owe. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, I am requesting full validation of this debt, including : Unbroken Chain of Assignment Provide a complete and unbroken record from the original creditor to your agency, showing each transfer of ownership. 
Purchase and Sale Agreement I request a copy of the actual contract in which this alleged debt was transferred to you, proving that you have legal standing to collect. 
Itemized Account Breakdown Show the original contract with my signature, a detailed history of all charges, interest, and payments applied to the account.

Verification That You Are Authorized to Collect Provide proof that you have legal authority to collect in my state and that the alleged debt is valid.

Failure to provide this documentation means that your attempt to collect this debt is in violation of federal laws. Furthermore, reporting unverified information to credit bureaus violates 15 U.S.C. 1681s-2 ( b ) of the FCRA, which prohibits furnishing inaccurate or incomplete information to consumer reporting agencies. 

Additionally, courts have ruled in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) that a creditor or debt collector must provide proper validation upon request. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ), the court held that credit reporting agencies and debt collectors must conduct a reasonable investigation when a consumer disputes a debt. 

Your failure to provide the requested documentation within 30 days will be considered a violation of my rights under federal law. If you do not cease collection efforts on this unverified debt, I will pursue legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This dispute shall also serve as notice that you are to CEASE ALL REPORTING of this debt to any credit bureau unless full validation is provided. If this account remains on my credit report without proper validation, I will take legal action for damages under 15 U.S.C. 1681n of the FCRA. 

Please respond in writing within 30 days.
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX Account XXXX. XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate and unlawful reporting of the above-referenced XXXX account on my credit report. This company is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and is engaging in misleading, false, and deceptive practices that infringe on my rights.

1. Failure to Provide Validation of Debt : Under 15 U.S.C. 1692g, I have the right to receive proper validation of the alleged debt, including details regarding the amount owed, the original creditor, and supporting documentation to substantiate their claims. Despite my attempts to resolve this issue directly with XXXX, they have failed to provide the required validation, yet they continue to report a charge-off on my credit report. This failure violates federal law. 
XXXX. False and Deceptive Reporting : Reporting a charge-off without validating the debt or providing supporting documentation is a misleading and deceptive practice. This is a clear violation of my rights as a consumer and contradicts the standards set by the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

As a consumer, I am entitled to {$1000.00} per violation of my rights under the FDCPA. JPMCBs continued failure to validate the debt and their deceptive reporting practices constitute multiple violations. I demand that these accounts be removed from my credit report immediately or that I be compensated as per federal law. 

I have made good faith efforts to resolve these issues directly with XXXX, but they continue to disregard my rights. Therefore, I am requesting that the credit bureau take immediate action to investigate this matter and correct my credit report. 

Under the FCRA, you are required to conduct a prompt and thorough reinvestigation of disputed information and notify me of the results within 30 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this account or a resolution that is in compliance with federal law. You may contact me at [ your phone number ] or [ your email address ] if further information is required. 

Sincerely, XXXX XXXX [ Last XXXX Digits of XXXX XXXX XXXX Let me know if youd like additional edits or enhancements.
Product: Credit reporting or other personal consumer reports

Last year XX/XX/2022 occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me sick to my stomach that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX XXXX  and said I can call the XXXX and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency XXXX and informed them of the issue they placed a Fraud Alert on my credit report on XXXX I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters to XXXX, Experian & XXXX  asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XXXX XXXX, 2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.