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

Prior responses from XXXX are frivolous and completely unacceptable. It has prompted me to continue to file federal complaints with your agency but not limited to the State Attorney General 's Office for enforcement. CFPB has failed miserably in its effort to adequately in its due diligence to protect the consumer from fraudulent practices of the companies that are reporting to the CRAs errors and failing to provide Request for Validation of Debt to the consumer, an FCRA violation that I will pursue legally in federal court against the creditor reporting the error, the CRAs who continuously side with furnished of credit but not limited to suing the CFPB for the failure in enforcing compliance. I intend to hire an FCRA Attorney to file ALL complaints against ALL parties involved in the investigation including the CFPB which has sided with criminal companies that hurt consumers ' credit history, and credit scores ; jeopardized employment, and future opportunities for applying for new credit. A police report will be filed against ALL said parties seeking punitive and actual damages for blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once those documents were in your possession, XXXX updated XX/XX/XXXX. XXXX {$120.00} XXXX?? XXXX Account XXXX??? Account typeSecured Loan. In addition, XXXX XXXX  has reported a car repossession with a balance that does reflect the trust balances of the liquidation because there was a paid XXXX XXXX that was financed in the terms of the contract. I have contacted them to provide an itemization to no avail. ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. The fraud accounts in question are listed below. The account name is XXXX XXXX, and the account is a self-financed/led bank account number is XXXX. Account typeSecured Card Responsibility XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX? StatusAccount charged off. {$120.00} written off. {$120.00} past due as of XXXX XXXX? XXXX
Product: Mortgage

I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go
Product: Money transfer, virtual currency, or money service

I am filing a complaint on Cash app ( block ink ) due to in adequate customer services and unfair practices that violate the CFPA. Specifically Cash App failed to take timely affective manners to prevent fraudulent activity address it on their platform which left my account, vulnerable, and unprotected therefore making the dispute resolution process unfair and deceptive, for they did not follow the error resolution require requirements under the EFTA and reregulation E these actions have caused significant financial loss and an extreme inconvenience and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX EXPERIAN DISPUTE FRAUD DEPT PO Box XXXX XXXX, TX XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act. 
XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XX/XX/XXXX XXXX XX/XX/XXXXXXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XX/XX/XXXX | XXXX Under investigation fr om previous dispute Balance $ XX/XX/XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XX/XX/XXXXAccount Status CHARGE - OFF XXXX XXXX XX/XX/XXXX | XXXX Under investigation from previous dispute Balance $XX/XX/XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XX/XX/XXXXAccount Status CHARGE - OFF XXXX XXXX, XX/XX/XXXX| Date of Inquiry XXXX XX/XX/2019 XX/XX/XXXX | XXXX Dispute this Account Owner Individual Account.Original Creditor XX/XX/XXXX Date Reported XXXXDate Assigned XX/XX/XXXXXX/XX/XXXXAccount Status D - Unpaid Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX I XXXX The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). 
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. Sincerely
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I executed a transaction to sender {$140.00} to my son XXXX XXXX in XXXX. The total cost of the transaction was {$150.00}. When my son attempted to pick up the money, he was informed that the funds had been returned. ( We were subsequently informed that my son has been barred from receiving funds for reasons that have yet to be explained ) The transaction was sent under Tracking No. XXXX I returned to the XXXX XXXX XXXX # XXXX where the transaction originated.The agent called Western Union for information on the refund. He was given a refund no. XXXX and instructed me to check in 3 hours. I checked with Western Union later that day and the following day being informed that the funds were not yet available. Two days later, I went back to the agent at XXXX and who spent 30 minutes on the phone with Western Union - he was told the refunds had been issued in Colorado and that they would have to do an internal investigation. The matter has been given a case no. XXXX. 

Repeated calls to Western Union have failed to result in any significant action. In the two weeks since this occurrence, I have received no communications from Western Union explaining their actions or indicated when or if I would received the funds.
Product: Credit reporting or other personal consumer reports

I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 

I will provide proof of tracking # numbers sent certified mail transunion # XXXX XXXX # XXXX XXXX # XXXX along with the most recent credit report pulled highlighting all of the inaccurate accounts still reporting along with the previous credit report pulled prior requesting the bureaus to modify and or delete accounts that are not reporting accurately.
Product: Debt collection

In XXXX of 2018, I started getting calls from a company called " XXXX XXXX ''. I would get calls practically every day. The operator would represent that they are trying to collect a debt and immediately ask me for my personal information -- name, date of birth and address. On every call, I demanded a validation statement, and on every call, the operator would falsely claim that one had previously been mailed to me " many times ''. The operator would always refuse to give me any details of this alleged " debt ''. In fact, I know I have no unpaid bills, so this is bogus. Although " XXXX XXXX   '' seems to have a website and a physical address in California, these calls always come from anonymous mobile numbers. This is a scam where someone is trying to get my personal information by claiming a non-existent debt.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 in ( MONTHS REPORTING LATE ) 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines XXXX The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name and number : Dept of educationXXXX / Acct # XXXX XXXX Amount : {$3600.00} / XXXX Amount : {$1600.00} / XXXX Amount : {$3100.00} / XXXX Amount : {$6600.00} XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX. / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number : XXXX XXXX  Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting act XXXX Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

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

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

I have requested investigations and request removal of a loan charge off due to incorrect information. All three credit reporting agencies, XXXX, XXXX and Transunion have been notified about this problem several times and nothing has changed, Im requesting that the charge off be removed immediately, I have reached out to XXXX XXXX as well and all I get from them is that they have sold the debt to someone else, when I found out who they sold it too I have been unable to get a response from them. This is causing me a lot of trouble and I'm trying to get things straighten out so that I can improve my financial situation but this is a major road block and very concerning that nobody seems to care how it has changed the course of action in my life and I feel like there will be no remedy for me and/or my financial future.
Product: Checking or savings account

I bank with Chase and they offer a payment service called XXXX. On Saturday, XX/XX/2022 around XXXX pm I sent XXXX to my XXXX for a tuition payment she was to make with our XXXX university. The money can be sent by referencing either the email address or phone number. The information is stored in a software setting for on-going transactions. I often send various amounts of money by my wifes email with no problem. For some reason this time it went by her phone number. Her phone number is XXXX. The number saved as XXXX XXXX was XXXX Anyway, the next day my XXXX told me she never got the money. I talked to Chase Customer Service that early XXXX and they told me they would launch an investigation. A week or so later I got an email stating that they tried to contact the owner of the phone number. 

I left a message for the person to call me but never heard anything back from them. My bank told me they would try to get my money back. 

I find it very interesting that this number is not in the XXXX network but yet an email was sent with instructions on how to download the money. I am not sure why the number was used this time and nor the email address. The {$5000.00} amount was listed on the email with my name referenced. 

Here is my activity form the bank. 

We sent money from XXXX XXXX XXXX ( ... XXXX ). 
Mobile number XXXX Transaction number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The data furnisher, XXXX, failed to provide correct and accurate contact information on the consumer credit report.
Product: Mortgage

Case number :  XXXX  was never resolved. There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I call
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$470.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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