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

The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I disputes are. 

1.Date Last reported 2.Date Open 3.Date of last activities 4.Date of last payment 5.Payment History 6, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX. XXXX. XXXXXXXX XXXX  XXXX. {$25000.00} 3.I 've submitted all the proper documents to prove my claim to all reporting agencies XXXX, XXXX have compiled base on my claim and remove said account from my credit report only Equifax remains to be corrected ... corrected/remove updated ... ( all documents sent by certified mail )
Product: Student loan

Please refer to File # XXXX - which apparently is now closed by your agency. I 'm confused. XXXX XXXX XXXX by what was submitted on the above case sold a loan that was co-signed for by me to EOS. The loan was not defaulted on by my son, it was consolidated with his other student loans in XXXX, therefore they ca n't come after me for cosigning for something that is not defaulted on. I was never notified of any alleged default. The first I heard of it was when I started getting notices from EOS. This needs to come off of my credit report and this collection company needs to leave me alone. They are going after debt that is nine years old and is not real. Everything is explained in my dispute of XXXX/XXXX/XXXX in your file number XXXX I would appreciate your assistance in getting this cleared up.
Product: Checking or savings account

In XX/XX/2024, my bank card was fraudulently withdrawn {$300.00} twice. I called Bank of America to request a refund. BOA asked me to file a claim. I filed the claim as they requested twice but they have refused to refund me both times.
Product: Student loan

The company on more than one occasion refused to answer questions regarding the student loans that I had with them. This lack of information and the directives that they did provide resulted in my loans going into default. Once in default they refused to work within me and even tho I continued to mail payments they were not applied to my account. I was then thrown into exorbitant payments drawn off the top of my bi weekly paycheck through my employer. It barely leaves me enough money to get by with which then caused me to not be able to make my mortgage payment and I lost my home.
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 Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and addressing 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Finacial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following account that Experian continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Experian listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. OnXX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. OnXX/XX/XXXX I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX She also stated that there is NO inquiry from Experian or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Experian shows as reported on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXX  XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Tx XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).
Product: Debt collection

XXXX XXXX, XXXX is nothing more than a bunch of crooks, this debt they're trying to collect, is so old, older than the statute of limitations. 

They never ever sent me a debt letter, giving me 30-45-days to review or dispute and ask for validation, I never knew this was even on my credit report until within the last several weeks, I emailed the CEO XXXX XXXX and he has ignored all my request. 

I had an Attorney sent me some information about how crooked this Business is. 
which is owned by Encore Captial, the Attorney sent me the 60-pages of  documents where they were sued by the Consumer Financial Protection Bureau for the exact things, they are doing to me. https : //files.consumerfinance.govXXXX This crooked Business will stop at nothing, They settled with the CFPA, but still breaking the same laws. claiming I owe them money for a credit card debt. 
this is insane, and they not once send me a debt letter, maybe to a third party which is illegal, but not to me, I ask for proof, such as a certified return receipt. 

But again CEO XXXX XXXX ignored all email request. I demand this illegal debt be removed from all three credit reporting agencies right away.
Product: Credit card or prepaid card

A perpetrator opened a checking account and credit card in my name with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX 

XXXX XXXX states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX stating that owe a debt to them. 

My complaint is also with three bureaus XXXX, Experian and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, Experian, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 lose, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/2022 I received an email from Wells Fargo congratulating me on opening a new account which I hadn't. I then received a separate email verifying that my contact information had been changed which it had not been. I contacted Wells Fargo in which they terminated the account and opened a cyber security investigation into the matter.
Product: Mortgage

I applied for a refinance mortgage from NEW REZ, my current lender, on or before XX/XX/2021. The loan officer was XXXX XXXX. The loan rate was locked on XX/XX/XXXX. 
On XX/XX/2021 XXXX XXXX informed me by email that my loan ( Loan # : XXXX ) was conditionally approved and that a Loan Processor would be in touch with me. 
On XX/XX/XXXX Ms. XXXX XXXX contacted me to inquire about the nature of my marriage ( community property or not ) I responded, and have heard nothing since. 
I contacted my loan officer ( XXXX ) who indicated that he is not handling my loan but had to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating multiple consumer rights, FCRA laws, and XXXXetro 2 reporting compliance guidelines. 
Experian is reporting incomplete, inconsistent, and inaccurate information on my credit report. I have called multiple times and Experian reps say they can see the FCRA Compliance Date/Date of First Delinquency on the XXXX XXXX XXXX  account. I told them that I can not see that date and I have a right to see all info and requested my consumer file disclosure. They told me the report they mailed will show the XXXX. I got my report # XXXX on XX/XX/XXXX from Experian and it does not have that DOFD date!! I called again today on XX/XX/XXXX to attempt to get that date and 3 reps hang up on me. 
Experian reps give me multiple dates for my DOFD via phone : XX/XX/XXXX and XXXX. This leads me to believe Experian is reporting an incorrect DOFD. The calls are recorded and this fact is easily verifiable. 
I have filed multiple disputes via mail to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as disputes via phone for this particular XXXX XXXX XXXX account ( XXXX ) and Experian updates it saying they have investigated it. Experian has not done the due investigations for this account. I requested the Method of Verification ( MOV ) via mail and I have never received anything back from Experian regarding the MOV. 
The XXXX XXXX XXXX account is closed yet 2 Experian reps told me that they can see the account open.
Product: Prepaid card

Every month that I use my card on an ATM Direct Express charges me an additional XXXX cents. 
On XX/XX/year>, I put in a complaint of fraud for {$610.00}. My card was used to pay an XXXX account without my permission and the account does not belong to me. Of the {$610.00} only {$300.00} was returned. I waited over 90 days for their investigation only for them to deny the claim for the remaining {$300.00}. They do not have a fraud department you can speak with. They say this is how it will stand. They said that I am now out of {$300.00}. They told me several times during the investigation that I needed to contact XXXX, which is not my job, and ask for my money back. I did contact XXXX who told me that yes there was fraud, the account did not belong to me, and that they can not reverse the charges that my bank can and then the bank is supposed to coordinate with XXXX to get the funds back. Direct Express refuses to do this and now there is no way for me to get my money back. This is not the first time that Direct Express has given their customers problems with fraud on their accounts. They were sued recently and still have not learned from the mistakes they have made. I am XXXX and this card is supposed to help those that get government benefits. It feels as though they are working against us or not working at all.
Product: Debt collection

On a monthly basis I regularly pay my Kohls credit card. I physically walk into the store in the city I love to pay the debt. I have 2 issues with this vendor.

1. I get repeated phone calls despite REGULAR payments to this vendor. Kohls is not my friend. Besides my financial relationship with Kohls there is NO other reason for them to contact me. Especially in excess of 40 calls per month! As if I do not promptly and consistently pay this vendor. 

2. It seems my balance is not going down. Despite my monthly payment to this vendor. What I feel is this vendor is attempting to manipulate me, with extremely excessive phone calls, while my balance doesnt appear to decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordane with the Fair Credit Reporting act. The account on this list below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s ( 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 crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is in inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?
Product: Credit card

I signed up for a secured credit card depositing {$2500.00} of my own money to build credit. I lost my job in XXXX of XXXX  and was unable to make payments on the account. They closed my account and never sent me my funds back. I would like this charge deleted from my account.
Product: Debt collection

Credit Control LLC, emailed me today to collect money on behalf of Resurgent/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . This account was written off and was deleted from my credit report. These agencies are becoming a nuisance and I am ready to sue.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute letter to Equifax via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into multiple inaccuracies on my credit report. Specifically, I challenged Discrepancies in negative items, inaccurate reporting of Bankruptcy and Incorrect personal information. To verify my identity and comply with the Fair Credit Reporting Act ( FCRA ) requirements, I attached all necessary documentation, including, A copy of my government-issued ID, My Social Security card and, Proof of my current address. 
Despite providing clear, legible, and fully compliant documents, Equifax refused to conduct an investigation. On XX/XX/year>, I received a response from Equifax stating that my documents were illegible and requesting enlarged copies. This assertion is incorrect ; the documents I submitted were entirely clear and readable. This response appears to be a baseless delay tactic to avoid conducting the necessary investigation. 
Under the FCRA, Equifax is legally obligated to conduct a reasonable and timely investigation when a consumer disputes the accuracy of items on their credit report. By refusing to investigate my dispute and citing an unsubstantiated issue with the legibility of my documents, Equifax has disregarded its responsibilities and violated my consumer rights. 
Equifaxs refusal to investigate has left incorrect information on my credit report, which is damaging to my financial standing and creditworthiness. This unresolved issue has caused me undue frustration and stress and may result in negative financial consequences, including possible credit denials or less favorable loan terms. 
Equifaxs inaction constitutes a violation of the following FCRA provisions : Section 611 ( a ) ( 1 ) ( A ) : Mandates that Equifax conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information. Section 611 ( a ) ( 2 ) ( A ) : Requires Equifax to notify the furnisher of the disputed information and proceed with a timely investigation, which Equifax failed to initiate.