23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have tried to get Equifax to completely remove XXXX XXXX XXXX from my credit report due to how XXXX went about taking my truck with many phone conversations with Equifax about it. I also called XXXX credit numerous times for them to remove it as well. They have refused to over many years. Because of them I have not been able to get any credit. I also have disputed time and time again to have my inquiries for credit removed due to being turned down and they refuse to do that as well. I need all my inquiries removed off of my reports. Under disputes with these credit Agencies, they have removed the remove account option in order to do so and will not listen to comments or requests to do so in their add more information box with it. They also have never sent me paperwork on their investigations as well and the process they went through of documentation to make sure they did their job. The have not followed FCRA guidelines for Due process.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

There is a public record on my XXXX, TransUnion and XXXX credit reports along with other credit reporting services. When I try to dispute the public record which shows a bankruptcy, I am told they are getting the information from XXXX XXXX. I requested that XXXX XXXX, XXXX, TransUnion and XXXX validate this debt and none responded to my letter. XXXX certfied mail # XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailed XX/XX/year>
Product: Student loan

Student loans late payment XX/XX/2019 incorrect as they were deferred. Please delete all negative items for inaccuracy.
Product: Credit reporting or other personal consumer reports

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block.inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, thier 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: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX XXXX XX/XX/2020 I told them that this inquiry was not authorize.
Product: Mortgage

In addition to my complaint XXXX I found out that the Wells Fargo Home Mortgage failed to pay my taxes in time and got a delinquent utility service fee for {$1400.00} that they charged me with. I believe they must pay the fees that were a result of their mistakes. I paid my mortgage regularly, I never was late. I can provide a copy of taxes bill that shows the fee of {$1400.00} and the escrow report that charged me for that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  - CARD SERVICE on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX XXXX XXXX on XXXXReported Identity Theft ) 10. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report. Even after your investigation, I would like this account immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX. In accoradance with the fair credit reporting act, public law 91-506 title VI, SECTION 611 Subsection A-D. please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me a update copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX  XXXX XXXX XXXX XXXX XXXX, received a copy of my credit report from Equifax. I called and made a dispute on XX/XX/2021. I explained to the rep that the willful neglect of Equifax in furnishing data without my consent is a violation of my rights pursuant to 15 USC 1681b. ( a ) ( 2 ). I also, explained that their negligence is impeding my ability to get a new car, home and the ability to take care of my family. I, as the original creditor, do not validate any of the alleged debt being furnished on my consumer report. I also, understand that the balances being advertised on my report are inaccurate because each account represents a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges which makes these alleged balances fraudulent and inaccurate. I also explained to the rep that if this can not be taken care of in a timely and efficient manner then I will be forced to pursue legal action and invoice for each individual action pursuant to 15 USC 1681n. Furnishing these things are a violation of my consumer right to privacy. These consumer credit transactions shouldn't have been furnished to begin with pursuant to 15 USC 1681a. ( 2 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a collection resolved and removed from my credit report that Absolute Resolution is reporting that is not mine. In my request to get information about this account, they haven't provided me with any documentation or any results from my request I sent to them. Instead, they sent me information that has no agreement or any other information that this items belongs to me. Items I asked for were as follows : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. What the money you say I owe is for 7. Prove the Statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with your license numbers and Registered Agent Still to these day, none of these items was provided to me from Absolute Resolution. Furthermore, I never had an account with XXXX, as well as I never lived in XXXX from which this company show that i lived at and never have lived in. Still Absolute Resolution has not did anything to provide me with the information I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had multiple late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up.

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did.

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP?

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acount # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time XXXX request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts ( XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian 4 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to Experian. My next step will be to sue them. These are the inquiries : 1. US SM BUS ADMIN ODA XX/XX/2020 2. XXXX XXXX XXXX  XXXX. XX/XX/2020 3. US SM BUS ADMIN ODA XX/XX/2020 4. XXXX XXXX XX/XX/2020 5. XXXX XX/XX/2020 6. XXXX XXXX XXXX XX/XX/2020 7. XXXX XXXX XX/XX/2020
Product: Debt collection

they won't stop calling 5+ times a day at all hours from many different numbers
Product: Debt collection

NATIONAL CREDIT SYSTEMS is furnishing and has been furnishing on my account illegally. I have disputed over and over with the original account reporting as a charge off... which I received no 1099C for so now tax fraud is involved. This company has no permissible purpose to contact me, have my information or take adverse action against me. Is your company acting as the purchaser or the " assignee '' because acting as both is another violation. I am being harassed with this account on my report. I have been denied due to this unauthorized activity from NATIONAL CREDIT SYSTEMS. They continue to re-age the account anytime it is disputed with no updates causing further harm. They are misrepresenting themselves " as collecting on behalf of ''. Are you the owner of the debt? you interloped into my business unauthorized and are now trying to harm and threaten me into paying something I don't owe OR owe to your company. Your company has NOT validated any alleged debt yet continue to furnish, There were no purchase agreements or original documents with my signature or agreement with NATIONAL CREDIT SYSTEMS.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : DOB : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIERES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX2023, XXXX XXXX XXXX XX/XX/XXXX2023, XXXX XXXX XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXX/XXXX/2023, XXXX XXXX XX/XX/XXXX/2023, XXXX XXXX XXXX XX/XX/XXXX/2023, XXXX XXXX XXXX XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$3900.00}
Product: Money transfer, virtual currency, or money service

Earlier today ( XX/XX/XXXX ) I received a XXXX from XXXX, XXXX XXXX XXXX their subsidiary Cash App had processed XXXX transactions on my " account '' in XXXX for a total of {$4600.00}. I assume that they have continued processing those " transactions '' in XXXX. 

I have never had a cash app account. I've never used cash app. I probably didn't make XXXX transactions even on my credit card accounts in all of XXXX - and Casp app claims that I was the recipient of those funds- and I received no funds via Cash app or any credit card in all of XXXX. 

After receiving the erroneous XXXX I immediately called Cash app at which point they put me on hold for XXXX minutes to " investigate '' and then came back and refused to provide me with any information, refused to issue a corrected XXXX, refused to answer any questions, refused to even give me a list of the transactions they claim I made. They also refused to put me in touch with a supervisor or anyone else.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> Subject : Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam, I am writing to formally dispute inaccurate information found in my credit report issued by Experian, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my rights to dispute and request verification of inaccurate, incomplete, or unverifiable information in my credit report. I hereby demand that these errors be investigated and corrected immediately.

Upon reviewing my credit reports from the three major credit bureaus, I have identified the following discrepancies : Personal Information : My address is reported inconsistently ( e.g., XXXX vs. XXXX ). As per FCRA 611 ( a ), I request an immediate correction to reflect my accurate address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
My employer information is inconsistent ; Experian lists " XXXX, '' which is not present on other reports. Under FCRA 605 ( a ), I request this data be verified and corrected if found inaccurate.

Account Information Discrepancies : XXXX XXXX XXXX ( Account Number : XXXX ) : Late payment reports differ across bureaus. My records show timely payments. Under FCRA 609, I request verification and removal of any inaccurate late payment entries. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : Various late payment counts are reported inconsistently. Under FCRA 623, I request an investigation and correction.

Credit Account Balances and Limits : XXXX reports a loan debt of {$7500.00}, which is absent from my XXXX report. Under FCRA 607 ( b ), please investigate and correct any discrepancies.

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to complete your investigation within 30 days and provide me with a written statement of the outcome. If the investigation determines the information to be inaccurate, please remove or correct the errors and provide me with an updated report. If verification can not be completed, I request the immediate removal of the disputed items from my report in accordance with FCRA 611 ( a ) ( 5 ).

Please consider this letter as my formal dispute and request for re-investigation. Failure to comply with my requests may result in further actions to protect my consumer rights under federal law. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The vechile was repossessed I don't have a vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information to potential lenders. When I pull my personal credit on the website it shows I have no collections, Yet when I pulled my credit today with a lender, the collection from XXXX XXXX XXXX. They are doing this to hide the fact that they are reporting this collection to potential lenders. This is a deceptive practice because it prevents me from disputing the collection on the site directly with Equifax. They should be fined for this. XXXX XXXX XXXX should also be fined. I will keep filing complaints until they stop being shady. They have the information to report negative information but then claim to your office that they need my ID and social security card. No honest
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.