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

I discovered multiple inaccuracies on my credit report and formally disputed them with Equifax. The specific issues include : Incorrect Reporting of a Late Payment : The account from XXXX ( XXXX ) ** is inaccurately marked with a late payment. Under 15 U.S.C. 1681i, I am disputing this and requesting it be updated to " paid as agreed, never late. '' Unverified Debts : For accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) **, I demanded validation of the debts under 15 U.S.C . 1692g. Specifically, I requested documentation like the original signed contracts and proof of the debt collectors authority to collect these debts. If they can not provide such validation, I expect the inaccurate entries to be removed, as required by 15 U.S.C. 1681s-2. 

Incorrect Personal Information : My credit report contains XXXX incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i, I am disputing these inaccuracies and requesting they be corrected or removed.

I emphasized that Equifax is legally required under the Fair Credit Reporting Act ( FCRA ) to investigate disputes and correct or delete inaccurate information within 30 days. Failure to comply could result in liability under 15 U.S.C. 1681n ( for willful non-compliance ) or 15 U.S.C. 1681o ( for negligent non-compliance ).

I also requested that Equifax provide me with details of the investigative procedures they use, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), and to send me an updated credit report reflecting the corrections.

If Equifax fails to resolve these disputes promptly and accurately, I intend to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ) and may consider legal action to enforce my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CITY, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting

XXXX XXXX has reported to the XXXX credit bureaus that I have an account in collection/charge off with a minimum monthly payment over {$28000.00}. I was a cosigner on a student loan for my now ex spouse who failed to pay as ordered by our divorce decree. I was not informed of the missed payments or consequences for the missed payments until XXXX XXXX sued for breach of contract. XXXX XXXX does not seem to want to work with me considering the circumstances and expects payment in full, with XXXX payment, over {$28000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Checking or savings account

In XX/XX/2022, I realized my checking account with US bank was arbitrarily closed without intimation or reason for closure. I reached out to their customer care number and was not provided with any specific reason for closure. They intimated me they had sent out a cashier 's check of the balance amount ( {$58000.00} ), to an old address. I informed them they had an incorrect address on file and they agreed to send out a check for the balance amount to the new address along with a statement of balance. The statement of balance ( dated XXXX XX/XX/2022 ) was received in the next week to the correct address, but the check with the balance funds never showed up. Ever since ( for about 2 months now ), I have been following up with them atleast once a week, and once every day starting early XX/XX/2022. They have just been forwarding my calls to different departments and no one has any information to track the check/ or provide an estimated time of when I would receive my funds. 
I also reached out to my home branch in LA ( the US Bank branch where I opened the account in the first place ) on XXXX XX/XX/2022, and they have outright refused to help me with anything. 
Starting XXXX XX/XX/2022 the operators started saying that there is no fund in the account. I did not receive my balance funds of {$58000.00} and now US bank is denying that there is any balance amount.
Product: Credit card or prepaid card

I have been made aware that AMEX continues to violate my consumer rights excessively! I have had multiple encounters with AMEX and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. AMEX has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account Number : XXXX
Product: Credit reporting or other personal consumer reports

FLAGSHIP CREDIT ACCEPTANCE/FC XXXX LLC has been violating my consumer rights for several months now. I have been writing and communicating with this company for remedy but they are proving to be negligent. As per FCRA and 15 USC 1681 a and b : it states " ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I, the consumer demand an updated and corrected account status on my credit from FLAGSHIP CREDIT ACCEPTANCE/ FC XXXX LLC or complete removal of the account. By law, a " CHARGE OFF '' is considered a Certificate of Indebtedness which in other words defines as income, income can not be reported to credit report ; it must be removed. Furthermore, as per 15 USC 6802 the law states " ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FLAGSHIP CREDIT ACCEPTANCE/FC XXXX LLC did not communicate with me in doing such fraudulent violations
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS IN VIOLATION OF FCRA AS ALWAYS! 
REPORTING ACCOUNTS THAT HAVE BEEN DELTED FROM OTHER BUREUS BECAUSE OF INACCURACIES & FRAUD!! 

THEY HAVE NOT DELTED ACCOUNT CAUSING HARDSHIP IN MANY PEOPLE LIVES I WILL SEEK COMPENSATION OF {$1000.00} PER VIOLATION
Product: Checking or savings account

I was charged over {$15000.00} in returned item fees and overdraft fees by navy federal Credit union for transactions. Navy Federals systems showed the money as immediately available to spend. However, they failed to disclose that payments received after XXXX XXXX Eastern ( and later, after XXXX XXXX Eastern ) wouldnt actually post until the next business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year trying to get false late payment removed by Ally financial on my auto loan. 
First Ally reported 2 late payments XXXX & XX/XX/2021 but after several calls to Ally customer service they removed XXXX late payment WHEN LOANE WAS PAID-OFF IN XX/XX/2021. 

After several phone calls to Ally financial, they changed & reported Late payment to XX/XX/2021 which is completely false ( Attached printout of credit report where it shows XXXX payment posted XXXX/XXXX/XX/XX/XXXX). 
ALL OF THESE LATE PAYMENTS BEEN REPORTED BY ALLY FINANCIAL AFTER AUTO LOAN WAS PAID-OFF IN XX/XX/2021. 
Paid off the loan during pandemic.

Credit score dropped XXXX points after Ally reported false late payment. 
Unethical & dishonest company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Product: Checking or savings account

Im trying to connect my PNC bank account to two apps. Which one is called XXXX and the other XXXX. Its telling me my bank made changes and cant connect my account to the apps.
Product: Debt collection

I applied for a car loan and was notified that I had a negative mark on my credit for a collection for {$130.00} from XXXX XXXX XXXX also know as SEQUIUM ASSET SOLUTIONS , LLC. I contacted the company and told them that I never received any type of notification about the debt, not 1 letter or notice of any kind. They had the wrong address on file. I paid the debt on XX/XX/XXXX. They never sent me a verification letter and just recently ( between XX/XX/XXXX - XX/XX/XXXX ) the debt has shown up on my credit report again. It went from a balance of {$0.00} back to {$130.00} and is listed as a derogatory mark. I already paid the debt in full. This company is terrible. I tried to dispute an error with them and they refused to delete it from my credit so I disputed it with XXXX and they didn't remove it either. It's a helpless feeling to know that you were wronged and there's nothing you can do about it. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that I believe to be fraudulent. After reviewing my financial statements, I noticed charges on my [ credit card/debit card/banking ] account that I did not authorize. I am concerned that my personal and financial information may have been compromised. I request that you investigate this matter immediately and take the appropriate action to reverse any fraudulent charges. Additionally, please ensure that my account is secured moving forward. Please let me know if any further information or documentation is required to support my claim. I would appreciate your prompt response and resolution of this issue. Thank you for your attention to this matter. I look forward to your swift resolution of this dispute. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''. 

Charged off : XXXX - XXXX Account balance : {$7300.00} Date opened : XX/XX/year>
Product: Credit card or prepaid card

Capital one has refused to unblock my credit card. My card has been restricted since last year. Last year in XXXX my entire wallet was stolen. The individual who stole my wallet also used all credit cards but also compromised my checking account with XXXX. Instead of Capital one helping me they restricted my card and left me to pay all of the fraudulent charges. They keep saying in order to have my card unrestricted I must prove my bank account is mine. I have done that over 3 times and they also called the bank and they verified that I did indeed own the account. Last year the person who stole my wallet made fraudulent transactions and payments. XXXX froze my account because it was so horrible. They didnt allow any transactions on the account. When Capital one called XXXX they told them every payment I made but the payment the person made didnt show up and they are stating this is why they wont unblock my account. I have paid down all of the fraudulent charges and they wont even unrestrict my account stating they need more proof I own the account even though I sent over bank statements and they talked to the bank
Product: Checking or savings account

They always apply over draft fees even if {$1.00} or {$.00} cents and charge a fee of {$35.00} in overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase automatically enrolled me in a service that is showing I have poor credit even though I have never been late on a payment. The service is run by XXXX, who whose score internally on their own report is considerably higher. Even using their own rubric, I do not have poor credit. I believe this is a pretense to charge higher interest rates.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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
Product: Debt collection

XX/XX/17 balance claim of XXXX or my driver license will be suspended
Product: Debt collection

I Filed a CFPB Complaint # XXXX in XXXX against TD bank in their response which is on record they stated that they run my credit to obtain my credit report during the investigation without my consent this is a violation and identity theft. They proceeded by saying i was disputing another account and obtained my alleged place of employment they infringed on my consumer right to privacy, They then had their logo displayed in the response letter which is a violation 15 USC 1692F ( 8 ). TD BANK IS CIVILLY AND CRIMININALLY LIABLE FOR A {$1000.00} PER EACH VIOLATION. 

I am sending this cease and desist as my warning before i proceed to getting ready for litigation and when that happens i will be seeking remedy for all the violations and emotional distress this has caused me
Product: Credit reporting or other personal consumer reports

These consumer reporting agencies are in violation of 15 USC 1681, my right to privacy. 
I am a victim of identity theft pursuant to 18 USC 1028A. I never gave verbal or written authorization for these accounts to report on my consumer report. I am also a victim of the XXXX data breach. My personal information was exposed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The CongreXXXX under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX by the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation.

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Product: Debt collection

Convergent sent a notice of collection for debt with XXXX XXXX XXXX XXXX for over XXXX in which I have never done business with. I asked them for an original contract with my signature and they could not produce any documents. I asked them to provide any evidence showing amounts service etc. they did not provide. This company is illegally targeting and trying to collect debts not owed. I have also contacted the CFPB and an attorney to resolve this debt scam immediately. They are aggressive attempting to collect on the debt that is not mine in first place. I contacted Them as soon as I saw this collection on my credit report. They could NOT find any negative accounts in my name.. I still have my phone active and in current status with them I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house this is outrageous and should not be allowed. please help me stop these calls. I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!! Please cease and desist unverified collection account. And delete all false information immediately.
Product: Mortgage

To Whom It May Concern, I am seeking assistance from your institution to resolve a mortgage refinance issue. On XX/XX/XXXX I closed on the refinancing of my home. My original payout cost was {$83000.00}, which was the final balance left on the house as of XX/XX/XXXX per Renasant Bank. But when Renasant Bank printed the Forbearance Agreement for the Mortgage Pandemic Relief ( see attachment ) the new payoff amount stated the original loan was now {$92.00}, XXXX. By definition, the Mortgage Relief Program was a grant fund for homeowners to ease their financial hardships that resulted from the COVID-19 pandemic. These funds are free grants that are NOT required to be paid back per the COVID-19 Mortgage Pandemic Relief Program. According to Renasant Bank I now owe those funds back in the amount of {$8400.00}, which was added to my new balance. 
During the refinancing process I added a credit card balance of about {$26000.00} to reduce my debtors. After this request I now realize that my final home balance had been increased to {$92000.00} instead of the original amount, which was {$83000.00}. Therefore, when the Renasant Bank added my credit cards to the new home balance it totaled to {$120000.00} ( amt paid by XXXX XXXX XXXX XXXX new lender ). But according to the original documents my payoff should have been {$100000.00} ( estimated ). I would like this discriminatory and unjust treat to be abolished immediately. Please inform me of any assistance to reversed, refund, or/ and resolve this issue. Thanks in advance. 

Regards, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX