23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXXXXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXXXXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and tried to make the changes to my credit reports by XXXX XXXX equifax and XXXX. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.
Product: Credit reporting

experian is reporting XXXX this not my account please have them remove this acct asap
Product: Debt collection

Call in XX/XX/2023 ( unsure exact date as phone records cleared from phone ) to inquire about debt. Was told an itemized bill would be sent to me. 

Called approximately 30 days later on XX/XX/2023, placed two calls to collector to follow up. Again I quoted about itemized bill/collection details. They were unable to provide me any information and just said the bill would be sent out soon. 

Called today XX/XX/2023. Again requested status of letter, they were not able to provide me information. Said it would be pushed to management to get more information. 

This debt is preventing me from renewing my drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been leasing my car since XX/XX/XXXX. My car is a XXXX XXXX XXXX, I pay {$640.00} month. I am a senior citizen ; I have a XXXX degree which I earned while working full time and graduated in XXXX. I want to buy my car. I have been told since my credit score is not high enough, I would have to pay XXXX dollars more in order to get financing to pay for my car. I have paid off a considerable amount of debt. I did get behind on car payments and other debt. I have paid off most of my debt except for school loans. I am current on my car payment and orther credit and have been for many months now. I am more than a credit score. I have worked hard all of my life and I feel I am being discriminated against because of a credit score that is in the high five hundred range. Something must be done about economic discrimination that has not adjusted to the fact that in XXXX there was an pandemic coronavirus that has greatly impacted individual consumers and families. Why should one have to pay more because their credit score is XXXX? I am underemployed in that for years I have sought an employment position that incorporates my advance education status and significant and accomplished career history. What can be done about credit scoring that has not adjusted to the reality of our economy? What can be done about economic discrimination and exclusion? 
XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB finding against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX account with Transunion around XXXX XXXX XX/XX/XXXX. By XX/XX/XXXX they VERIFIED it as ACCURATE and continues to report this item. However, this account is and has been reporting this incorrect and inaccurate information for the past 3yrs. This account is being reporting as 90 days LATE on XX/XX/XXXX, 120 days LATE on XX/XX/XXXX then additional 120 DAYS LATE on XX/XX/XXXX. THIS IS IMPOSSIBLE and INACCURATE! They must not know that XX/XX/XXXX to XX/XX/XXXX is only 30 days not 120 days! The last date of activity is inaccurate as well. These inaccuracies has been affecting my credit score negatively for the past 3 years and had me getting denied credit! This is devastating and I have requested the deletion of the account on multiple occasions! Furthermore they do not do proper investigations when requested because they lied to me when they said it was VERIFIED AND ACURRATE! And when compared to the XXXX and Transunion reports i found several discrepancies such as High credit limit, last activity date and account type. I have disputed this account several times over the past few years and Transunion kept verifying it as accurate and kept it on my report. They are in Violation of my consumer rights according to the FDCPA and FCRA. Please DELETE this Account as requested previously. I want this item removed PERMATELY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX & Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of car loans, credit card and car loan debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my first 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX & XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Parties involved : PayPal Synchrony Bank ; I did not receive or lose any money, just had several very adverse charges to my credit reports which has significantly impacted my credit score.

To whom it may concern.

This appears on my credit report at all three credit bureaus and we are in the process of purchasing a home and this has had a major effect on my credit score. I have called and spoken to 5 different people at Synchrony and PayPal with everyone agreeing that this is not an account and I do not have a credit account with you or synchrony. Unfortunately, no-one has been able to stay on the line long enough to follow-through and I have been hung-up on multiple times but the " representative ''. I need a letter stating that this report was sent in error, the customer service person I spoke with on Friday said a letter would be faxed to me at XXX but I have not received the letter.

Thank you for your attention to this matter.

Sincerely, XX This appears on all three credit bureaus SYNCB/PPC XXXX History : XX/XX/19 ; XXXX XXXX dates XXXX XXXX. XXXX, XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST
Product: Credit reporting or other personal consumer reports

I have unauthorized and unverified inquiries on my credit report that needs immediate removal. Under the FCRA specifically 15 U.S code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The financial institution 's listed below no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C XXXX. XXXX XXXX  on XXXX, XXXX XXXX XXXX, XXXX XXXX on XXXX, XXXX on XXXX, XXXX XXXX on XXXX. I haven't initiated any transactions with any of these companies furthermore I dont have an account under 15 U.S.C 1693a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Experian is reporting a fraudulent XXXX account on my credit report. I submitted the police report to Experian and it was not honored. I recently resent the police report and I am hoping that this resolves the issue with Experian.
Product: Credit reporting

I applied for a loan with a loan advisor XXXX at Royal United Mortgage XXXX on XX/XX/XXXX for myself and wife to pay off our investment property I sent over copies of 2 years of tax returns XXXX our drivers license copies of both residence bank statements and all our loans and credit cards information thinking that we would be approved for the loan from XXXX who mentioned it sounded like he had approved the loan. After all the transaction of trusting this guy he called on XX/XX/XXXX and told me that the loan was denied.My main reason for this complaint is after applying for that loan XXXX some how added my wife information onto my credit and added my information on hers causing both of our credit scores to drop extremely low I would like to know if this legal or is this considered fraud.Thanks
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Checking or savings account

6 years ago I had a XX/XX/XXXXaccount. I didn't have any money in it and overdraft it {$280.00}. They gave me the {$30.00} overdraft fee. Then kept giving me the {$30.00} fees daily for quite some time. They sent it off to a creditor company. In XXXX I started getting mail from a creditor company informing that I owed {$1200.00} to XX/XX/XXXXon this account. I went to XX/XX/XXXXto set up a new bank account for myself in XXXXXX/XX/XXXXXXXX and put {$100.00} into my new account. Within 3 days the money was gone from a " recovery offset. '' I freaked out and came to XX/XX/XXXXto find out what it was. They told me it was from owing that money all those years ago. I asked XX/XX/XXXXhow to take care of the issue so they don't keep stealing money from me. They told me to call them. I then called and attempted to set up {$50.00} a week with them. I went to make my first payment in the branch, as instructed by the creditor company. XXXX told me the account was closed and they couldn't make payments to it. So I was confused and let it be. Money never came out of my account after setting up payments. In XXXXXX/XX/XXXXXXXX I received a refund check for this account amounting in {$970.00}. In the letter it stated " since your account ending in **** is now closed, we are enclosing a refund check in the amount of {$970.00} representing certain past overdraft fees. '' I assumed this meant they realized I never owed them {$1200.00}, only the original {$310.00} ... ( {$280.00} I used and {$30.00} overdraft fee ). After the refund check I never got anymore mail from the creditors. XX/XX/XXXX I got a piece of mail stating I still owed {$1100.00}. I was hugely confused and called XX/XX/XXXXand had not gotten a response back from the branch XXXX. XX/XX/XXXX I went to pay my rent with my {$1200.00} in my current account that I had since XXXX, and my money was gone from " recovery offset '' yet again. I go to XX/XX/XXXXand the branch XXXX calls the recovery offset line and speaks to them and she basically told them they will not refund me the money they took without authorization, and gave XXXX explanation for the refund check they sent me and why they didn't just apply it to the debt owed if that's what it was originally intended for. Now I'm in a bind because they quite literally stole money from me. I don't know what to do.
Product: Credit reporting or other personal consumer reports

This serves as my numerous correspondence to address the unfortunate circumstance of being a victim of identity theft. I write to challenge specific items within my file that stem from this crime. The contested items are not associated with any transactions that I have personally initiated or authorized for the procurement of goods, services, or funds. I request the immediate blocking of any information in my credit file linked to the alleged identity theft. 
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I bought an XXXX through payment plan, loan amount : {$1300.00}, Monthly payment : {$52.00}, in XXXX  store @ XXXX XXXX mall in XXXX XXXX, Texas back in XXXX. 

Only after I started making payments. I learnt it's a loan from Citizens One bank. 
I have never received any statements in letter nor electronically since then. I called them this morning. They declined to send statements in form of physical letters because of they are " paperless '' company. They declined to issue me statements in form of PDF files either. All I have it's their web page.
Product: Money transfer, virtual currency, or money service

I have had several CashApp transaction where I have not received the transferred money in my account. All three transactions were instant cash outs. I have reached out to CashApp several times. I have only gotten one response where they offered to refund the fee for the instant cash out for one transaction, {$30.00}. There has been no action that I am aware of to put the missing money in my account. The transaction details are below. 

XX/XX/19 {$200.00} XX/XX/19 {$1500.00} XX/XX/19 {$500.00} Total of {$2200.00} Customer service with CashApp is nonexistent. I need a speedy resolution as I am on a fixed income and I am now in jeopardy of losing my home. I feel that I have done everything that I can do to resolve this on my own.
Product: Debt collection

The debt collection company FOX COLLECTION CENTER did not provide me with the opportunity to dispute the debt. I did receive any disclosures from the debt collection company. This company is not licensed to collect in the state of TENNESSEE. These are all FDCPA violations. This company violated my right and are reporting implications that they may be attorneys. This company is also damaging my financial reputation. A violation of 15 USC 1692d ( 1 )
Product: Payday loan, title loan, or personal loan

In XXXX I pulled my credit through XXXX to check for mistakes as consumers are requested to do. 

I noticed Conns credit corp had 2 collections against me. I knew I had 1 account when I bought a TV from them but I never had a 2nd account with them. So on XX/XX/2018 I sent 2 letters to Conns asking for a verification of debt of both accounts so I would know what the second loan was for. I sent both letters registered mail and received confirmation of their acceptance of both letters on XX/XX/2018 signed by a XXXX XXXX. 

On XX/XX/2018 I received a letter back from Conns showing the proof of a TV that I had bought. Which I knew about and I was able to verify the account number for that loan. However the 2nd loan that Conn 's says I have and is reporting on ALL of my Credit Reports, I still have received nothing for. It is now almost 5 months later and Conns has chose to ignore my letter for verification of Debt for the 2nd account they show on all of my credit reports. 

I have called Conns to make payments on the 1 collection that I have with them. I have even asked if there is any other debt I owe, they told me this was the only one. 

I have tried to go to the credit bureaus and ask that they verify the debt. They all said it is your debt because Conns said so. I tried several times to ask who they talked to or a copy of any paperwork sent to them showing proof to no avail. 

I am tired of feeling trapped by the Creditors and Credit Reporting Agencies. They make it so hard to actually get anyone to verify anything. I know Conns can't because there is not a 2nd loan with them. 

Please help me.