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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$65.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

I am unaware of this debt, {$800.00} opened XX/XX/XXXX, balance updated XX/XX/XXXX. 
I didn't have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I have received proper notification please provide the certified mail with a receipt of my signature on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit on XXXX XXXX and saw a hard inquiry from XXXX XXXX on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX Credit Plus also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 181a ( 2 ) ( 1 ) under exclusions.

Protects information collected by consumer reporting agencies such as Credit bureaus, medical information companies and tenant screening services and 15 USC 168s2 which states a person shall not furnish any information relating to a consumer to any consumer reporti g sgency if the person knows or has reasonable cause to believe that the information is inaccurate, I feel my rights as a consumer have been violated. The information is incorrect and I would like for credit bureaus to delete the account from my credit report. 

XXXX Dispute Departmen XXXX XXXX XXXX XXXX Texas XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account number XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with a resolution requirements on the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial laws, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and notice there were some things that was not correct.I sent a letter on XXXX XXXX, XXXX, it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC 168 1 ( a ) ( 1 ) ( a ) Under 15 USC 168 1 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and except as provided in subsection ( g ). If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Mortgage

This account is not being reported on my XXXX  credit report and there are several 30 day late payments that are not accurate. Being that the account is not reporting on my XXXX credit report, it leaves me to believe there is some kind of internal error as well with the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to XXXX, XXXX  and Equifax that a bankruptcy did not take place. I requested a verification of debt from XXXX, XXXX and Equifax and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX I did not authorize Experian XXXX XXXX, and XXXX to access or use my credit information. At no point did I open an account with this company or give them permission to use my credit information. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically [ cite specific sections of the law, e.g., Section 604 for permissible purposes of consumer reports, Section 609 for disclosure of information to consumers, etc. ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report. 
I dont recognize the account number nor do I recognize the account status. 
I dont recognize the Acc balance. Everything here doesnt meet FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i called tec. support for some help my question was how do i put cash coming in on my cash app card instead of it going to my checking account. The person i got on the phone useing a number i got online for cash app tech. support said he was cash app support and he could help me with doing that so we went thru process of him making it possible for money received to go to my cask app card sent by cash app. Well i got concerned because the process was taken to long for some thing i thought should be simple to do. He got into my cash app account and i could see him sending money to a XXXX XXXX XXXX XXXX cash app $ XXXX. after seeing this i hung up the phone, then i get a e mail from cash app saying they have detected unauthorized activity and they locked my account to protect my funds then i get message that they have refunded me the XXXX and unlocked my account and that i was good to go this was on the XXXX XXXX. So i try to go to my cash app account and i can not get my account has been unlinked is the message that i get, I have been calling cash app and i have not been able to talk to no one and my money has not been returned to my account i worked for that money and i want it back asap and i want my account back. I called tech. support from a number i got off line for cash app and the number is still on line as tech support for cash app XXXX XXXX XXXX XXXX.
Product: Debt collection

I have provided this company with all documentation from the police department, etc, showing this depot is not owed and is u collectible but they continue to harass me. Ive received 2 letters in one day!!!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I submitted a request for assistance from USAA because XXXX XXXX XXXX XXXX charged me two times for 1 withdrawal in XX/XX/year>. USAA then credited me back the extra withdrawal as a temporary credit. Now they are taking it back. USAA has failed to adequately investigate this matter and are simply taking XXXX word for it without due diligence and authentication of withdrawals from my account.
Product: Credit reporting or other personal consumer reports

Under Section 611 of the FCRA, if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation and verify the item in question within 30 days. If the item can not be verified or is found to be inaccurate, it must be corrected or removed from the report. 

XXXX has not conducted proper investigations into the disputed items on my credit report. I have disputed the accounts several times within the past XXXX years. Instead, these unverifiable and inaccurate items remain, damaging my creditworthiness. This is a clear violation of Section 607 ( b ), which requires you to maintain the maximum possible accuracy of information reported.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting misspelled versions of my name and will not remove them so it does not allow me to dispute any collections on my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is to report transunion is reporting incorrect information on my consumer report. As the account XXXX XXXX XXXX ( XXXX ) is being reported late. When the account is in good standing. Please remove late payments as everything on my consumer report should be 100 % accurate across all bureaus. Ill be proving proof of XXXX credit reporting. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Navy Federal Credit Union for inaccurate and inconsistent reporting on my credit accounts. The issues involve contradictory information provided to different credit bureaus, which raises concerns about the accuracy and legality of the reporting practices. 

Details of the Complaint Last Payment Inaccuracy : The account reports a last payment of {$0.00} on XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ), a creditor can not report a last payment of {$0.00} if the account is not fully paid off. This is misleading and inaccurate. 

Inconsistent Payment History : XXXX : The account is reported as closed in XXXX and XX/XX/2023 but then marked as XXXX days late in XX/XX/2023. This inconsistency in payment history is inaccurate and does not align with the accounts actual status. 

XXXX : The account reports a last payment of {$0.00} on XX/XX/2023, yet the date of first delinquency is listed as XX/XX/2023. These dates are contradictory and indicate a significant error in reporting. 

XXXX : The account is reported as closed on XX/XX/2023, but the payment history shows XXXX days late in XX/XX/2023 and on time for XX/XX/2023. This inconsistency further demonstrates inaccurate reporting. 

Impact of the Inaccuracies These discrepancies have caused confusion and potential harm to my credit profile. As a consumer, I rely on financial institutions to ensure maximum accuracy in reporting, as required by the FCRA. Navy Federal Credit Unions failure to provide consistent and accurate information undermines my trust in their reporting practices and has necessitated this formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I spoke with XXXX from Ally Financial. I was informed my vehicle was in repossession status and I had three options. XXXX. To refinance my loan XXXX. Sell the vehicle XXXX. Allow Ally to repossess the vechicle. I knew with allowing Ally to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to covid and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called Ally back the next day to work out a settlement deal that was more feasible for me. I only owed XXXX XXXX  on my vehicle and knew there could be a payoff request I could make. Ally offered to drop the amount to {$9300.00} and once payment was received by Ally, Ally agreed to settled the account. Ally also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from Ally dated XX/XX/XXXX XXXX XXXX which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. Ally received my payment as promised and failed to comply with their agreement. Due to Ally failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from Ally. I have made several attempts to resolve this matter with Ally but to no avail has it been rectified. Ally received payment as promise once we agreed to settle.
Product: Money transfer, virtual currency, or money service

There was a fraudulent charge with Google Pay and I am still being charged for it
Product: Mortgage

I was divorced XX/XX/XXXX. XX/XX/XXXX at the time of separation from my ex, I did not have a job and missed XXXX mortgage payments. My ex later filed bankruptcy. XXXX, the original servicer, sent me all sorts of paperwork for resolution ... none of them were an appropriate option as either I could not qualify, or it would increase my payment. Once I started working, I set up auto payments through my bank. Never missing a payment, or being late since then. XXXX, after telling them my story continued to harass me in the form of false credit bureau reporting that I was consistently 3 months behind and charging late fees for several months which they did not remove, and additional monthly fees for inspection reports, etc. I wrote to them without resolve. They did NOT even respond to me!! 
Beginning XX/XX/XXXX, my loan was sold to a new lender and was also assigned a new servicer, Rushmore Loan Management. Now, I recently received an intent to foreclose notice and I have NOT even missed a payment with them. This has ruined my credit score and caused me much XXXX. The mortgage company has sent people out to my property taking pictures which I find not only inappropriate, but harrassing. They have NO reason to be doing this. My payments are timely and even though I do not have escrows, my Insurance and Taxes are ALWAYS paid on time. 
Please help me get this problem corrected. I would like all the late fees and inspection fees that I did not authorize removed from my account. Also, my loan is being reported now as over 90 days past due, which is NOT the case.
Product: Student loan

Today, XX/XX/XXXX I went to pay my loans through Navient. I planned to pay extra as well. My loans are due today and I had a late fee of {$120.00} I had to pay. This was a total of {$250.00}. I played all of it so that I was current and no longer charger but I do want that money back or to go to the principle of the loan of my choice. I don't feel I should be charged because it is still the XXXX. I attached a picture that shows the date today and the payment due date being today. My payment was made around XXXX
Product: Credit card

I have a Capital One Credit card and I called last year to cancel the card and they would not refund my annual fee. They told me I had to call back next year within one month of the annual fee being charged to my account. It has been a year and my annual fee was just charged a few days ago. I called Capital One today to downgrade or cancel my account and they told me they would comply but they weren't sure if the fee would be refunded. I asked for a supervisor to confirm it would be refunded and he told me they would not refund my annual fee even though last year they told me as long as I called within a month of it being charged that they would refund it. Please help.
Product: Debt collection

Account XXXX XXXX Citizens Bank. I do not have a signed agreement with Citizen 's Bank. It is showing the account is closed on my credit report but again, I do not have a signed agreement with Citizens Bank.
Product: Student loan

I have inaccurate information showing on my  XXXX  and  XXXX  credit report. Despite my many attempts to resolve it with Navient customer service department and the listed credit bureaus it has yet been resolved.   I n 2014 my loan went into default and this has tarnished my credit and caused me harm. Though I followed the directives of the customer service agent advice which was to put the loans in deferment, which is the advice I followed for years after being told my only two op tion were deferment or consolidate. Forcing me having to pay higher interest rates, being turned down for loans and sufficient employment to take care of my family.   I 'm requesting that all  XXXX  Navient accounts be removed from my credit profile due to the inaccurate information reported continue to cause me harm.
Product: Credit reporting or other personal consumer reports

I have disputed the balance with creditor, XXXX, Transunion and XXXX. Account balance and status reported is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$85.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$35.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.