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

As of early XXXX, I noticed on my credit report with XXXX Credit bureau, multiple Hard inquiries for auto loans that I did not give authorization nor permissible purpose. I wrote a letter as well as sent a copy front and back of my drivers License as well as Social security card to XXXX Credit Bureau certified mail starting as early as XX/XX/XXXX. During this investigation I was told my SS # was not eligible. After sending in new copies I was told. That I needed a FTC or Police report. I followed up with all new docs. Cover letter, New copies of ID as well with FTC report. This now by XX/XX/24. After following up on the investigation. I was told my FTC report was not accurate and needs to be revised but was not explained how to their standards. ( I have attached all Revised FTC reports sent to XXXX fraud department. ) Once revised, I was told that my SS # was not eligible. Each time I call to follow up I am told something different from each representative as well as manager. After explaining my frustration with constantly being told something different why the hard inquiries not being removed due to being told something different by each rep to follow the appropriate. 
Instruction on what they need due to mailing docs constantly costing me to mail docs certified mail each time. I was advised to join XXXX membership and upload docs and the process will move smoother and faster to remove the hard injuries. I joined XXXX membership {$19.00} a month. To be told by managers thats not accurate and all docs has to be mailed. 
When it comes to hard injuries all docs have to be mailed. I explained after speaking with several managers that I am being advised different information each time I call and all I get is sorry sir. I have updated my FTC report four times now and has sent certified mail at least four times in the past two months and no results with removing the hard inquires. Not only did I send the same repots to Equifax but to XXXX XXXX and XXXX and the hard inquiries requested to be removed has by the other following bureaus. I am constantly getting the run around with Equifax and getting different instruction each time I call to resolve this issue. I have attached all supporting docs with ID copies sent, FTC reports, as well as SS # with XXXX receipts of proof mailing the required documents with cover letter. I have even been questioned how and what site I filed my FTC report which is Identitytheft.gov to be told its still not valid. This agency has not worked with me at all as the consumer regarding the Inquires I did not Authorize after providing the appropriate documentation. All docs and receipts has been uploaded as well.
Product: Debt collection

THEY HAVE BLOCKED MY PHONE NUMBER SO I CAN NOT CALL THEM BECAUSE THIS IS A DEBT THAT SHOULD NOT EXIST. OTHER PEOPLE CAN CALL THEM, JUST NOT ME.
Product: Credit card or prepaid card

I received mail from XXXX bank stating that someone with my information has attempted to open a credit card ; Capital one and XXXX XXXX. Spoke to XXXX and they confirm they have an alert on XXXX and place a freeze on my account and was advised to the XXXX and XXXX and FTC regarding the the attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a world finance loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and XXXX is becoming no help along with world finance.
Product: Money transfer, virtual currency, or money service

Binance.US 5000.00 Account frozen No customer service or contacts Around XX/XX/XXXX deposited Around XX/XX/XXXX account frozen refuse to reply After sending all documents, photos and documents requested/ still locked Went online can see now problem issue is all over social media Have ticket number from an auto zen desk response via their website but its useless just auto response loop
Product: Mortgage

I paid off my loan at the closing of my home on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite my loan being paid off and having a XXXX balance, XXXX XXXX XXXXLoan Care electronically pulled {$2500.00} out of my account without my permission. 

When I contacted them, I told this was an error as my loan had been paid in full and had a XXXX balance before the money was electronically pulled from my account, which means the taking of that money out of my account was theft. Despite this, the company would not electronically refund my money. Rather, they told me that they would unilaterally grant themselves 15 business days to provide a refund and there was nothing I could do about it. 

Now, XX/XX/year>, more than 15 business days later, I have not received the refund. I have contact their customer service several times and I have been told that they won't do anything as " it is not their policy to electronically refund money '' and I simply have to sit and wait for them to mail me a check, which again still has not arrived as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX  XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, XXXX and Transunion. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. 


I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX  : XXXX 

The first 4 times I tried doing it online. 
I tried XXXX 2x. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried XXXX twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our XXXX XXXX XXXX at XXXX for additional help completing you request. The XXXX XXXX XXXX is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( Equifax ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with XXXX. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.
Product: Credit card or prepaid card

I recieved a credit alert for a XXXX account opening and new charge of XXXX to syncb score rewards. Also a inquiry for another card I did not try to open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an XXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), a personal loan account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).
Product: Credit card or prepaid card

Experian You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

( The dispute for the account with XXXX  that starts with XXXX I was never late. 
The dispute for the account with XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX that starts with XXXX I was never late. This is alleged debt trying to be imposed on me. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. The dispute for the account with XXXX XXXX XXXX that starts with XXXX XXXXXXXXXXX I was never late. 
The dispute for the account with XXXX XXXX that starts with XXXX I was never late. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be deleted. My request to delete is not being made in error ; nor is my request to delete being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXXXXXX
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 ( CFPA ). Specifically, Cash App failed to take timely and effectively measures against 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: Debt collection

In 2019 had a company credit card though XXXX XXXXXXXX. I am a single member LLC. I received a XXXX from XXXX XXXXXXXX Which I filed with my taxes. My LLC is in my taxes. Then I found out XXXX XXXXXXXX sold the debt to PORTFOLIO RECOVERY, after I claimed the XXXX on my taxes. I have sent several letters to Portfolio Recovery. To remove the debt Me and the LLC are the same they have not done anything and continue to report the {$770.00} as a collections on my credit report.
Product: Debt collection

On XX/XX/XXXX I was alerted by XXXX that there was an unpaid debt collection added to my credit report by a collections agency named " XXXX XXXX, XXXX '' for an unpaid balance of {$260.00}. After reviewing the item in more detail, I was able to find very limited information and could only find out that this was in relation to an unpaid balance that a company named " XXXX XXXX '' had claimed was outstanding. I have never heard of either XXXX XXXX or XXXX XXXX, XXXX and have absolutely never done business with them. I have never received any communication from either company with regards to any matter including an account being opened or an unpaid balance, and have also never received any confirmation or validation of debt on my name. On XX/XX/XXXX I repeatedly called Convergent to find out why they have an outstanding balance on my credit report and to request more details in order to resolve. I was repeatedly put on hold and transferred to several different representatives who could not provide any additional information or confirm this activity on my credit report. These attempts to find out more information resulted in them hanging up on me, as well as telling me to call their " Corporate Office '' at the same phone number which I was already dialing that directed me to the representatives I have already been speaking to. Due to the fact that there was no communication of the an account being opened with XXXX and no validation of debt provided I am very confident this unpaid collections is a result of fraudulent activity against my name and want to have it removed from my credit report as it already affecting my credit score unethically and unlawfully.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information Request for Deletion Dear Sir or Madam, I am writing to formally dispute the accuracy of the account listed by XXXX on my credit report. After reviewing the details of my credit file, I have found several discrepancies related to this account, which I believe are inaccurate, incomplete, and misleading.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute information that I believe is incorrect or unverifiable. Specifically, I assert that the following inaccuracies exist : Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. This obligation extends to all furnishers of information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, who are bound by the provisions of 15 U.S.C. 1681s-2 to report accurate data.

I am requesting that the information regarding this account be thoroughly investigated and removed from my credit report, as it fails to meet the statutory requirements of accuracy and completeness under the FCRA. Should these companies or your agency fail to resolve this dispute in a timely manner, I will consider seeking remedies, including monetary damages as outlined in 15 U.S.C. 1681n, which provides for damages of up to {$1000.00} per violation, along with attorneys fees and court costs, for willful non-compliance with the FCRA.

As part of my request, I ask that you : Investigate this account under the guidelines of the FCRA.

Delete this account from my credit report if the investigation determines that the account contains inaccurate or incomplete information.

Notify me in writing within 30 days of your findings and actions regarding this dispute, in accordance with the FCRA.

I am entitled to this removal based on the inaccuracies present in this account, and I expect that you will comply with the legal obligations set forth in the FCRA. Please also inform XXXX of this dispute so they may take corrective action to remove any inaccurate information from their records.

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been reviewed and either updated or deleted from my credit file as applicable. 
Sincerely,
Product: Checking or savings account

Bank of America are depriving consumers the opportunity to open end consumer credit plans, the requirements for home equity plans, which is clearly against federal law, per 12 CFR 1026.5, 12 CFR 1026.6, 12 CFR 1026.40, per 15 USC 1637, 15 USC 1637 ( a ) ,15 USC 1691.
Product: Debt collection

They brought the debt from XXXX XXXX XXXX, the debt was an old debt that been reporting inaccurate dates to the credit bureau in order to try and beat the law. They reporting the account was open in XXXX, infact the account went delinquent in XXXX
Product: Debt collection

This letter is a follow-up to my complaint regarding PLAZA SERVICES reporting a collection account on my credit report. My CFPB complaint reference number is XXXX. 

While I received notification from the original creditor about the account being sold to PLAZA SERVICES, it was untimely. The collection account was opened on XX/XX/2022, and I wasn't notified until XX/XX/2022. 

The Fair Credit Reporting Act ( FCRA ) requires debt collectors to notify debtors of account transfers within a reasonable time frame. A notification received 14 days after the collection account was opened is likely considered unreasonable under the FCRA. 
Due to this late notification, I argue that PLAZA SERVICES did not follow proper procedures and therefore can not report this account on my credit report. 

I understand I may have an obligation to the original creditor for this debt. However, the late notification about the account transfer raises questions about the validity of the collection company 's reporting on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX