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

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on [ date you pulled your credit report ] and noticed a credit inquiry that I did not authorize. 

I contacted XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by all three lenders to determine who authorized it. 

If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

Thanks in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00} .Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried several times to have my student loan account removed or closed because I filed bankruptcy ( XXXX  XXXX ). It was removed in late XXXX but then it reappeared earlier in XXXX after Equifax had the data breach. However, XXXX XXXX XXXX ( US DEPT OF EDUCATION ) also keeps adding this account or updating when it should be closed on my Equifax report. Its currently identified as closed with the remaining credit agencies except Equifax. I need for this to be removed off of my Equifax report. I filed for bankruptcy in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Student loan

I consolidated my XXXX student loans back in XX/XX/XXXX through AES education; and I have been making EFT payment to AES since XX/XX/XXXX. I began my XXXX program through XXXX UniversityXX/XX/XXXX. I did not request financial aid or assistance. However, I noticed back in XX/XX/XXXX that payments had not been removed from my account. I called AES and spoke to XXXX on XX/XX/XXXX, I questioned why my student loan payments had not been removed from my account. XXXX stated because it "automatically," went into deferment because I started school again. I requested to be taken off deferment and to not be placed on it again. XXXX, did send a wavier form however, I did not understand why I needed to sign a wavier form when I did not request for any changes to be made on my account in the first place. As a result, more interest has accrued and I am behind on my payments. As of XX/XX/XXXX, my account is back on deferment because I took classes this summer. 

I can understand why AES would be okay with this process because it benefits them. In my case it ONLY benefits them by prolonging the amount of time I have to payoff my loan and accruing additional interest. Making AES more money. 

I have been paying on this loan for the past 16 years and I am over it. I'm coming close to the payoff and they are messing with my account. Borrowers should have the choice to continue to pay their students loans while in school.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO THE LAW, YOU AND THE DATA FURNISHERS MUST CERTIFY ALL ASPECTS OF REQUIRED FCRAMETRO 2 COMPLIANCE. THIS MUST BE DONE IN A TRUTHFUL, CORRECT MANNER THAT IS COMPLETE AS WELL TIMELY SO IT DOES NOT VIOLATE MY CONSUMER RIGHTS OR CIVIL FREEDOMS.
Product: Debt collection

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. LVNV Funding, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing a collection account with Portfolio Recovery Associates for over a year. After an unsuccesful attempt to resolve this collection account in 2019, I began sending written communication to them XXXX 2020 & every 30days after that until XX/XX/XXXX 2020. To date, I still have not gotten a response or resolution. Before filing a dispute, I asked for verification of this debt from Portfolio Recovery Assoc. After sending multiple requests with no response, I then sent several requests XXXX to them & the credit reporting agencies ) asking for them to remove this collection account from my credit reports. Portfolio Recovery Associates has ignored my requests for verification & deletion, causing damage to my credit profile for 2 years.
Product: Credit reporting or other personal consumer reports

There are inquiries and other accounts that dont belong to me I have called several times to get this resolved and nothing happens. I have been in data breaches my identity have been stolen 2 or 3 times over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian hasn't update my XXXX XXXX since XX/XX/XXXX. I'm trying to bought a house and my lender can't see my XXXX XXXX. I have been trying to call them but they don't have an option to talk to human. I sent them a message on XXXX but they can't fix my problem. This have been happening for XXXX months already. I don't know if my account is blocked or freeze but I have never give them consent to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following false accounts : 1.XXXX XXXX XXXXXXXX account XXXX 2. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Money transfer, virtual currency, or money service

On XX/XX/ My company had its first big " payday '' for services. We bring entertainment to little kids birthday parties. The first payment was for just over {$4100.00}. 
We received a note from XXXX XXXXXXXX that the payment was to hit our bank account in 1-3 business days. 
The payment did not hit our account. 
We reached out to XXXX XXXX and they said they are not the credit card processor they have a 3rd party WE PAY by JPMORGAN do that part. 
We reached out to them. 
Their rep said we needed documentation for the service ( invoices ) we provided. 
The rep said we need to verify you are a real business.We showed we have been in business for over 6 years. Our website. We provided our credentials and qualification documents from the state. XXXX XXXX We provided all. 
The rep said they would now HOLD OUR MONEY until 120 days and return money to customers with whom we have already provided service for and they paid with a credit card. We are now in LIMBO for {$14000.00}. Also they took their fees ALREADY. 

We have attached correspondence and supporting documentation
Product: Debt collection

I have pretty good credit, so I would have looked into a collection. I had this company called Carter-Young Inc appear on my credit for a collection of {$240.00}. The collection shows it was a debt from XXXX from XX/XX/XXXX, but I have lived in my new home in XXXX  since XX/XX/XXXX. 
I cancelled this service after I moved, and realized it was still pulling from my credit card. I have had zero communication from anyone that I had a debt. Period not one!

There was another collection from this collection company representing XXXX but they removed that one from all 3 credit bureaus when I disputed the charge. 
I have not spoken to anyone, received a bill, presented information where I am liable for whatever this charge is nothing, but they hit my credit!? This has to be illegal!?
Product: Credit card

In 2011, I had a Visa Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) .Specifically Cash app fail to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.Furthermore, there dispute, resolution process unfair and deceptive
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) XXXX  D ). The Following Accounts listed below : -ACCEPTANCE NOW # XXXX -XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -DRS # XXXX -I C 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

On XX/XX/2023, I sent a certified letter to XXXX the letter was then received on XX/XX/XXXX by the bureau and action was taken on this I disputed this account multiple times. I checked my credit report the XXXX loan and XXXX account was added to my report without my consent and my account number is not fully stated on either account. I would like both of these accounts removed from my credit report as this information is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Services is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Money transfer, virtual currency, or money service

My concern is reguarding the way Zelle handled disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Besides using Zelle numerous of times and reporting discrepancies, my institutions failed to investigate my claims adequately. I was informed that it was impossible to track and recover my lost funds. Left user vulnerable to scams. This lack of accountability and transparency was unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes and this has been investigated. I most certainly did NOT open this XXXX account. This must have been opened by somebody else under my name. This is literally the only thing reporting negatively on my credit report. Please assist in deleting this erroneous account immediately.
Product: Debt collection

I was contacted by XXXX / XXXX about a debt that is XXXX old. I requested information about the debt, which they sent and I asked them for information of the original creditor. They gave me a phone number and I contacted them but they told me they have no record of this debt. 

I reported this information to XXXX AND XXXX, but they went to court without giving me a court date and pass a judgment on me and try to collect on a debt that is over XXXX old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from BANK OF AMERICA, N.A., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, BANK OF AMERICA, N.A. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and BANK OF AMERICA, N.A. with no successful resolution.XXXX XXXX  and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.
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. 

XXXX XXXX : # XXXX, # XXXX, XXXX  : # XXXX, # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

Late payment being corrected and deleted for XX/XX/2024. I was not late on this payment.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I disputed the bankruptcy that was listed on my credit report. Transunion sent a note saying that the record still remains. In XX/XX/year> I disputed it again only to get the same response. I tried again in XX/XX/year> to dispute and they still havent taken it off. The bankruptcy on my report belongs to a family member with a similar name whom used to live with me. I am requesting that transunion remove the public record from my report immediately to rectify the situation. Its causing so many financial problems when obtaining a loan. Please remove this record, its not my record. I even called the courthouse to have them help me and they said they do NOT report to the credit companies.
Product: Credit reporting

XXXX I contacted XXXX regarding my credit card account number XXXX I explained my dispute regarding this account is the XXXX reporting agenciesshow I owe XXXX a " XXXX XXXX XXXX Of '' {$3700.00}. However, XXXX " Charged OffAccount '' as of XXXX XXXX and issued me a Federal form XXXX requiring me toclaim {$2700.00} of this amount as income on my XXXX income tax return. I did claim this amount as required and paid income taxes on this amount. XXXX explained to mealthough I was required to claim this amount as income and pay taxes on it ; and I add in addition, XXXX deducted this amount reducing their corporate taxable income, XXXX submits I still owe them the total balance of {$3700.00}. I know for fact I had to claim as income {$2700.00} of this amount and paid income taxes on it, and I can presume XXXX reduced their corporate taxable income by the larger amount of {$3700.00}. Based on this information, I neither owe, nor does XXXX have any basis of which to claim they can collect, which they did imply they had by stating to me, " Although we are not " actively '' collecting, the balance is still due '', I am not satisfied with their answer ; therefore, I am pursuing you to resolve our dispute based on the above and following, but not limited to, information. XXXX I contacted XXXX at XXXX, her ID number wasXXXX. After I explained my previously mentioned dispute, XXXX said she wouldupdate my account with the XXXX credit reporting agencies based on the beforementioned information I gave her. XXXX/XXXX/XXXX - I receive a letter from XXXX stating the XXXX credit reporting agencies have been updated to state I still owe XXXX {$3700.00}, which includes {$2700.00} reported on the XXXX and the additional {$980.00} ( XXXX, XXXX {$980.00} ). I am submitting this to you to resolve because I am not satisfied with XXXX 's explanations for not removing the amount of {$3700.00} show as " Amount Past Due '' to the XXXX credit reporting agencies. I dispute XXXX should report an " Amount Past Due '' off {$0.00}. Please contact me at XXXX to resolve this dispute. Thanks so much, XXXX XXXX ( XXXX ) XXXX XXXX E-Mail : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Applications were done in my name and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent inquiries need to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block.Inc. ) due to inadequate customer service and practices, which violates 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 unprotected and vulnerable. Furthermore their dispute resolution was unfair and receptive as they did not comply with error resolution requirements under 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

I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.