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

I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) ( XXXX ) 9 ) XXXX XXXX ( XXXX ) ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  ( XXXX ) 12 ) XXXX XXXX ( XXXX ) ( XXXX 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  XXXX ( XXXX ) 15 ) XXXX  XXXX ( XXXX ) 16 ) XXXX ( XXXX ) 17 ) XXXX XXXX ( XXXX ) 18 ) XXXX  XXXX ( XXXX ) 19 ) XXXX  ( XXXX ) ( XXXX ) 20 ) XXXX XXXX XXXX ( XXXX ) 21 ) XXXX XXXX ( XXXX ) 22 ) XXXX XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$280.00} XXXX In accordance with the Fair Credit Reporting act These Accounts 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

The following account # XXXX does not belong in the collection and should be removed from my credit file. I tried numerous times to pay this account from the day I moved out in XXXX. The information being reported is inaccurate ; the account was not past due and is not a bill from XX/XX/XXXX. My due date to move out was XX/XX/XXXX and the management company asked me to move out in XX/XX/XXXX, because they needed the apartment for a new tenant, due to an issue on their part. 
I agreed to move out in XXXX and pay only the few days of rent while I moved out and cleaned the apartment, which totaled {$390.00}. About a month after turning in the apt keys to the property manager, I attempted to log into my online account to pay the balance, as instructed to do so by the property manager. However, my account was no longer active within the online system ; therefore, I sent an email to both the leasing agent and the property manager to advise them about my inability to access my online account. 
Both emails bounced back ( see attached emails ) and it turned out the property email addresses were deactivated and telephones numbers were disconnected. At this time I decided to physically go into the office to not have any fees lingering over my credit. Upon arrival the leasing agent informed me that the property had been sold and they can not accept my payment and I had to contact the previous property management company. I did a XXXX search for XXXX  XXXX  and found their Corporate office in Illinois and sent an information request through their website and I was informed I had to pay the new property owners and my payment could not be accepted by them. Then I contacted their accounts receivable department where I was informed that they could not locate any account with my name. With that said, please remove account # XXXX XXXX XXXX from my credit file as it no longer belongs to me and has been sold. 
Thank you,
Product: Checking or savings account

I got scammed by an online scammer a month back ( XX/XX/2018 ), i sent money using the cash app mobile application. The scammer never delivered the product. i realized i got scammed and while the transaction was still pending i called my bank to help out. They said if i file a claim they ll take care of it, which i did. After a month now they rejected my claim, saying only the cash app can help out. When i contacted cash app they say only the bank can help out. Im stuck in this not knowing what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 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: Debt collection

Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$1400.00} Opened on- XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my consumer report and asked the consumer reporting agency to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and noticed everything is still the same. The consumer reporting agency which is Equifax did not remove the account. 

A complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX reporting on my consumer report inaccurately and the company responded by stating a request will be sent to the consumer reporting agencies to remove their account from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX and XXXX have removed the account from my consumer report however Equifax has not. Equifax is still reporting the following account on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is a violation of my consumer rights. This inaccuracy is impacting me from buying a home for my family, and having the ability to provide a moderate living for my family. 

Attached is a copy of the XXXX  complaint with the response received from XXXX XXXX XXXX XXXX to show how Equifax is violating my rights.
Product: Debt collection

Was ALLEDGED sued by Protfolio recovery in XX/XX/2017 never received any documentation from them was never served and first learned about it from XXXX informed me of a garnishment Ask the lawyer a firm XXXX XXXX XXXX for any type of documentation was Told we can't give you anything I was nevered served so what Was there answer a few day after a person by the XXXXXXXX XXXX XXXX XXXX yes that was What she said her name was I stated That first I wanted some type of documentation second I was going to try and find a lawyer and third find a complaint with the CFPB she stated then I can't talk To you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the handling of fraudulent items on my credit report despite numerous attempts to follow up and resolve the issue. 

This repeated failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file : 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: Student loan

My loans are through XXXX now Navient. I am a XXXX and have been paying on these loans for over 13years. In XX/XX/XXXX, I had the payback period changed to an end date of XX/XX/XXXX. Suddenly XX/XX/XXXX, Navient unilaterally changed the terms of my loan back to an end date of XX/XX/XXXX which conveniently would earn them over {$8000.00} more dollars in interest. So I had to waste time calling Navient, to verify why the terms were changed without a discussion with me. No one could give me an answer. I then reported them to the XXXX, which prompted a call from their customer advocate department. A, XXXX XXXX assured me the terms were corrected and the direct withdrawal amount would be corrected back to what it was. I see today that it was n't. I find it curious that a large banking concern could n't figure out how this happened and then given 3 weeks notice could n't get it corrected.
Product: Credit card or prepaid card

Dear Sir, I wish to dispute a charge from XXXX XXXX XXXX purchase date XX/XX/XXXX and charged to my account XX/XX/XXXX, for the amount of {$2700.00}. My credit card limit is {$1000.00}. I have not authorized any person to charge any amount on my card over the credit card limit. I found out today that XXXX XXXX, an authorized user rented a car from XXXX for up to 6 weeks and accumulated this charge and after turning the car in was accumulated charges on XX/XX/XXXX for {$2700.00}. I have only authorized my secondary user to charge no more than the {$1000.00} limit on my card as stipulated by Capital One. I asked Capital One representative why they did not contact me on this charge and then requested to dispute this charge which was initially denied. 

I contacted Capital One and asked to dispute this charge which was almost 3 times over my credit card limit. XXXX, I'd number XXXX advised that I could not dispute the charge, that XXXX had a right to charge this to my account. After I advised her to close my account was I able to dispute this charge. Now I have no credit card with Capital One and I finally have a dispute pending and am a senior citizen with a XXXX  XXXX while being XXXX XXXX XXXX XXXX. I had to close my account so no charges over my limit would be charged to my account. I have also requested that a supervisor call me on this matter. Please have someone call me to help me on this matter or email me at XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. OH XXXX and phone number XXXX. I no longer work at XXXX as well.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Product: Debt collection

On XX/XX/XXXX, I noticed a debt that hit my credit report and called the company. They told me it was a payday loan from XX/XX/XXXX that I apparently paid on for TWO YEARS then fell delinquent in XX/XX/XXXX. 5 years later they reported it to all credit bureaus which greatly hurt my credit. I told a representative from the company that I wanted to dispute it because it is not my debt. They insisted that it was mine so I asked for documents to be provided to prove this and gave my contact information and have not heard anything since. No emails, no letters and no more phone calls. I disputed this with all 3 bureaus and they reported that the COMPANY does the investigation and basically just told them it is mine. I HAVE NOT RECEIVED ONE LETTER OR EMAIL STATING THE TERMS OR DETAILS OF THIS DEBT I SUPPOSEDLY OWE. I did not take out a PAYDAY loan and pay on it for TWO years just to still owe {$370.00}!!! This is not my debt and it is hurting my credit that I have worked hard to fix the last 2 years!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the account and inquiries listed below from my credit report. I am a victim of a data breach, and these items were added to my credit file without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this fraudulent information be removed from my credit report promptly. 
Fraudulent Account : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. It has come to my attention that your bureau has obtained information under false pretenses, in direct violation of 15 USC 1681q. 

Upon reviewing my credit report, I have discovered inaccurate and misleading information that appears to have been obtained under deceptive means. These false pretenses include the following : XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts It is essential to emphasize that obtaining information under false pretenses is expressly prohibited by the FCRA, which is designed to protect the integrity and accuracy of consumer credit reports. Credit reporting agencies have a responsibility to conduct themselves in an ethical and lawful manner, ensuring that the information reported is obtained legitimately and for appropriate purposes. 

I kindly request that your bureau conduct an immediate investigation into these allegations and takes the necessary actions to rectify the inaccuracies resulting from the information obtained under false pretenses. Furthermore, I expect your organization to implement corrective measures to prevent such violations from occurring in the future. 

As a consumer whose rights have been violated under the FCRA, I reserve the right to pursue legal remedies and report this violation to the appropriate regulatory authorities should your bureau fail to address this matter promptly. 

I appreciate your attention to this matter and expect a prompt resolution. Please acknowledge receipt of this letter and notify me in writing of the actions taken to rectify the inaccuracies and discrepancies.
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 resolution process was unfair and deceptive, as thru 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 these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report The credit report bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. The ground for removal they also violated my rights under 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 STAES A CONSUMER AGENCY CAN NOT FURNISH AND ACCOUNT WITHOUT MY WRITTEN INTRUSTIONS
Product: Mortgage

I just filed complaint # XXXX XXXX XXXX XXXX at XXXX in haste and my attachment was missing XXXX key documents. 
1. Nationstar FTC XXXX XXXX XXXX " XXXX Points of Complaint on a Word Doc '' 2. Nationstar School Tax Contract & Escrow XXXX XXXX XXXX XXXX. Nationstar FTC-CFPB XXXX XXXX XXXX email confirming receipt of the above confirmation. Nationstar FTC XXXX XXXX XXXX was my research information. Word doc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM NOW DEMANDING ALL OF THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970 AND THE XXXX