23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$210000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are unauthorized and were established due to a data breach that compromised my personal information. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal from my credit report. 
Fraudulent Accounts : 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

In accordance with the fair credit reporting act XXXX XXXX account # XXXX 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

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX  Dear Experian Dispute Department , I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX  ( Account Number : XXXX ) that violate my rights under federal law.

Specific Errors Identified : Incorrect Reporting of Late Payments After Charge-Off ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/year>, meaning no further payments were due after that date. 
However, the credit report incorrectly reflects XXXX, XXXX, XXXX, XXXX, and XXXX late payments leading up to the charge-off, even though payments were recorded as made in earlier months. 
If the account was already charged off, it is factually inaccurate to report continuing missed payments. This misrepresentation violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of an account.

Failure to Accurately Reflect Account Payments ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history indicates that payments were scheduled, yet the account was still marked as increasingly delinquent.

Payments of {$36.00}, {$26.00}, {$51.00}, and more were noted in the balance history, yet late payment markers were still applied.

This contradiction suggests improper credit reporting, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires accurate and complete reporting of credit obligations.

Failure to Update Account Status Correctly ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is reported as charged off, yet the balance remains at {$120.00}, implying either continued accumulation of fees after charge-off or improper balance reporting. 
Credit reporting laws require that charge-offs be reported with a finalized balance, not one that continues to accrue inaccurately.

This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors ensure credit information is correctly furnished and updated.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies and incorrect balance updates violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/2019 and XX/XX/2019 On XX/XX/2019 and XX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Experian initial investigation, I sent them a second letter informing them I was in disagreement of their findings, because the inaccurate accounts were still on my credit report. At that time I ask for a reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Experian or deletion of the accounts.
Product: Debt collection

I am XXXX submitting this complaint against Caine & Weiner and there is no third party involved Caine & Weiner did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation. They did not follow the proper procedure under the new FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, in which protects consumer from improper reporting.
Product: Debt collection

THIS ACCOUNT IS NOT MINE, I HAVE ASKED THEM TO PROVIDE VALIDATION, PROOF, WHEN I ASK THEM TO DO SO, THIS HAD A NEW DATE OPENED DATE, AS IT WAS SCHEDULE DTO FALL OFF MY CREDIT, IT HAS CAUSED MY SCORE TO DECREASE, THEY HAVE SOLD THE DEBT SEVERAL TIMES, AND EASCH TIME THEY DO, IT HAS A NEW OPEN OPEN DATE, THIS IS NOT FAIR UNDER THE LAW, I RECIVE SOCIAL SECURITY INCOME, AND THEY ARE ASKING ME TO PAY A BILL THAT IS MINE, THE SIGNATURE ON ANY DOCUMENTS IS NOT MINE, I AM ASKING THEM TO ABSOLVE THE DEBT
Product: Debt collection

Jefferson capital systems LLC calls frequently and for the past week everday and after I have told them to stop calling me they continue to do so. they call from the following numbers XXXX and XXXX at different times of the day and I have spoke on the phone and told them to stop calling my number and have wrote to their company at this mailing address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Have not received a response yet they still call and they also use a robot dialer as when I do answer there is always a wait time before someone answers or the call will disconnect
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally file a complaint against Consumer Portfolio Services ( CPS ) regarding their ongoing harassment and failure to acknowledge my XXXX XXXX bankruptcy filing concerning my XXXX XXXX XXXX. 

In XX/XX/XXXX, I filed for XXXX XXXX  bankruptcy, which was subsequently approved as of XX/XX/XXXX. As part of the bankruptcy proceedings, my XXXX XXXX XXXX was included in the filing. Despite this, Consumer Portfolio Services has persistently contacted me about late payments. Moreover, they have been harassing my family members, who are not aware of my financial situation, in an attempt to locate me. This conduct is not only distressing but also illegal under consumer protection laws. 

I request that the Consumer Financial Protection Bureau take the following actions : Cease and Desist Telephone Communications : According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, a consumer has the right to request that a debt collector cease communication. Therefore, I demand that Consumer Portfolio Services cease all telephone communications immediately. All future communications should be conducted in writing. 

Acknowledge Bankruptcy Filing : Consumer Portfolio Services must acknowledge the inclusion of my XXXX XXXX XXXX in my XXXX XXXX bankruptcy filing. The continuous attempts to collect a debt discharged in bankruptcy are in violation of the Bankruptcy Code, specifically 11 U.S. Code 524, which enjoins creditors from attempting to collect discharged debts. 

Prohibit Third-Party Contact : It is also a violation of the FDCPA, 15 U.S. Code 1692c ( b ), to contact third parties ( such as family members ) regarding my debt without my explicit consent. I demand that Consumer Portfolio Services immediately cease any form of communication with my family members or any third parties regarding my debt. 

Request for Financial Reparations : Due to the distress and anguish caused by Consumer Portfolio Services ' actions, I am requesting financial reparations in the amount of {$1000.00}. If this matter is not resolved satisfactorily, I may be compelled to file an official judicial request against the company. 

I have attached copies of my bankruptcy filing and the relevant court documents for your reference. I request that the CFPB investigate this matter and ensure that Consumer Portfolio Services complies with federal laws designed to protect consumers from such harassment and unlawful debt collection practices. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and keep me informed of any progress regarding this issue.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and 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 or other personal consumer reports

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, XXXX is obligated to ensure maximum accuracy and conduct a proper investigation. Additionally, under 15 U.S.C. 1681c-2, victims of identity theft are entitled to have fraudulent accounts and unauthorized inquiries blocked.

In light of the CFPBs recent enforcement action against credit bureaus for failing to conduct proper investigations, I am requesting this dispute be handled promptly and thoroughly. If XXXX fails to resolve these disputes and remove the inaccuracies, I will escalate the matter to the CFPB and seek legal remedies. 
Data Breach Impact : As a victim of identity theft, likely stemming from the recent data breach, I am requesting immediate removal of all negative and fraudulent items. These inaccuracies have caused significant harm to my credit profile and must be addressed immediately.

Failure to act within the legal timeframe may result in further action. Please update me as soon as possible regarding the status of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XXXX and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
4. ) XXXX XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
5. ) XXXX XXXX XXXX : XXXX 15 U.S.C. 1681 in 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. Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : collection/charge off 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about erroneous charges for car insurance. Although we couldn't come to a resolution on validity of the debt they agreed to have it removed from the credit report. I have reported this Experian and they have failed to investigate and validate the debt. The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance Up to now, Experian has failed to accurately validate these erroneous charges as valid debt matching my name, and address, and provide documentation of this debt being mine. 

The account number on my credit report for this account is # XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

LVNV Funding LLC XXXX resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX is a collection I recently discovered in my consumer report. I do not know this company. Lvnv funding llc, did not provide me with any validation of claimed debt, or permission to place it on my credit report. Never been contacted by lvnv funding llc in regards my outstanding balance of {$840.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information on my report
Product: Credit card or prepaid card

It came to my attention that my account had been compromised probably via a skimmer from a gas pump. This has happened to us before in XXXX and Netspend refunded us the money that was stolen at that time. 

On XX/XX/XXXX, I realized my account was almost to zero and could see four charges that were not authorized by me as well as five charges where someone was repeatedly checking the balance ( 50 cents each time. ) Netspend told me however that they do not refund for fees for balance checks and other atm fees even when info has been stolen, which I understand. But by seeing the repeated balance checks, it proves it wasn't me. Why would I keep checking the balance of my own account at a random atm/gas station in XXXX, TX when I have access to my account balance via the app/website/phone call. Why would I wihtdraw XXXX XXXX dollars three seperate times in a row when I could withdraw a larger amount all at once? All of these unauthorized charges occurred at the same location in XXXX at XXXX. I'm sure if anyone would like to request the CCTV footage at that location you can see the person doing this is NOT me or my husband. 

The amounts stolen from me were : 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 These transactions were made in XXXX, TX where I was not anywhere near. 

At the same time I called to dispute this -- These charges were AUTHORIZED and the customer service representative from Netspend mistakenly added them to my claim : XXXX XX/XX/XXXX {$20.00} XXXX # XXXX XX/XX/XXXX {$3.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX # XXXX XX/XX/XXXX {$36.00} XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX {$41.00} They claimed they couldn't cancel a dispute on a transaction that was mistakenly made but it does make me wonder if they automatically denied the disputes for the UNAUTHORIZED transactions because they were mixed in with these? 

I disputed these unauthorized transactions with Netspend and after 10 business days I was told that they found no error had occured. I asked to appeal and reopen the case where they said they would reopen it. A few days later I'm told that my claim can not be reopened because the decision has been made already. 

I did NOT make these transactions. They were UNAUTHORIZED by me but Netspend basically said they don't care. We work hard for our money and we are just trying to take care of our family. Any help is appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the inaccurate reporting of my credit information and to demand the deletion of the following account : *XXXX XXXX Account Number : XXXX In XX/XX/year>, information regarding this account was provided by a data furnisher to the credit bureaus. However, there are discrepancies in the reported data across the three major credit reporting agencies : - *XXXX reported the account as a charge-off in XX/XX/year>. 
- XXXX  reported the account as paid on time in XX/XX/year>. 
- **TransUnion** data shows no information regarding this account. 

These inconsistencies highlight the inaccurate reporting of my credit information. I have provided documentation demonstrating these discrepancies and showing the inaccuracies across all three bureaus. This inaccurate information falsely manipulates the statute of limitations and has caused significant harm to my credit profile. 

Under the Fair Credit Reporting Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to investigate this account properly and correct the discrepancies has violated my rights. 

I am demanding the deletion of the XXXX XXXX account from my credit report due to these inaccuracies and the improper investigation of this account. I expect a prompt resolution to this matter and confirmation of the deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Transunion a letter in XXXX XXXX asking them to prove the inquires I have on my credit report. I did NOT authorize these inquires and there is n't any verbal or written signature anywhere to confirm these. I asked them for proof of authorization and never heard a response back from them. I wrote them a second request XXXX and still have not received any letter or documentation back. If these can not be verified then these inquiries need to be removed now please.
Product: Checking or savings account

on XX/XX/year> i received a text message from Truist Bank about a fraudulent purchase that was made on my debit card followed up by a phone call. The person on the phone represented themselves as a Truist Employee with fraud department. the person asked if i tried to make a purchase a XXXX in XXXX, XXXX  XXXX. i replied no then he said lets go over your last XXXX transactions. he started with the first few then said i better send you a text with a code to verify it was you. sent code i provided him with the 5 digit number and he continued with the other transaction. all of which i made. he then said did you try to send a XXXX  payment to to a XXXX XXXX or XXXX XXXX for XXXX i said no then he said did you one to a XXXX XXXX i relied no XXXX is my son. he said XXXX was sent to him from your account. i responded i did not send him any money. he said call XXXX  and get him to send the money back. few hours later i got a hold of gage at home and he attempted to send money back. his bank would only allow XXXX to be sent. the information on the scene had my name and phone number and when he hit send it sent to a different name. i checked my account in the morning and the the XXXX  payment was not in my account. i call truist bank and it was learned the above person was not a truist employee. i immediately closed my account. i called my son and told him not to send the the XXXX he said he just sent it and it went to a XXXX XXXX account. i then filed a complaint through Truist. they said they would investigate the unauthorized activity. few days went by i called to find out what was going on. the lady on the phone told me they were not going to do anything because of the relationship between XXXX  and I. because i sent him money before. i tired to explain and she said the analysit made their decision and i could do nothing about it. i called and called spoke to several people and finally one said i could contest their decision. i also went to the local branch and the teller was like you should get your money back. i called again and person said the decision is final talk to XXXX  about your money. i told them someone hacked my account and changed my XXXX  information. i did not sent the money. and basically i was out of luck, i did not send the money and did not authorize anyone to send the money. i thought my funds were protected at the bank. i could really use some help in this matter thank you XXXX XXXX. i have copy of screen shots from phone