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

This is my second 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 the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 
Please see attached. 

XXXX : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/JC PENNEY A/C #  XXXX was dispute 3 times and I requested for validation 3 times for this account and no attempt of validation was given to the consumer directly. 

XXXX XXXX/JC PENNEY response was a letter requesting for me to validate with XXXX XXXX XXXX A/C # : XXXX which is a different account. 
When I requested for validation of the account with XXXX XXXX XXXX A/C # : XXXX.Their response to me via mail and to the credit bureaus was deletion of the account they were reporting on my credit report. 

The 30 days of validation is past due on this XXXX XXXX/JC PENNEY A/C # XXXX and must be deleted ASAP off my credit reports.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I received notification from Experian credit reporting between XX/XX/year> and XX/XX/year> about my personal information that has been breached by other unknown service sources I am not aware of and that my personal information that may have been breached was my name, birth day, home address, social security information. I am not happy with this news knowing that my personal information was breached and Experian failed to fully monitor, protect and safeguard my personal information. I even attempted several times to log into my Experian account via app to view the problem and check what personal information of mine have been breached but the Experian app does not allow me to and instead states in order for me to know what information was breached and viewed, I would have to upgrade my membership plan from the free basic to a monthly payment membership. This is absurd and I feel that it is the companies ploy to profit on their company limiting consumers better options to fully have their personal information safeguarded. I am asking CFPB to fully investigate Experian and this issue. And I hope to have results from this issue real soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account under XXXX XXXX reporting to my credit profile. I am not responsible for this account. Please investigate the info reporting. If youre unable to verify, please remove immediately. I have disputed previously.
Product: Debt collection

This situation occurred in XX/XX/2016 where I was renting an apartment in XXXX, XXXX During the events of doing the walk through, we noticed spots on the carpet, mold on the walls, outdated appliances and bathroom. We advised the management that these issues need to be fixed prior to moving in. I paid the deposit and first month first for a total of {$1000.00}. When we moved into the apartment, things looked fine. Around 2 weeks later, I noticed the the stain in the carpet had gotten bigger and the wallpaper was peeling, revealing the mold. The maintenance department was called at least 3 times for various of reasons. Around XX/XX/2016, I was done begging to have issues fixed in the apartment and spoke with management about terminating my lease. The apartment manager at the time decided she did not need to do a walk through of the apartment and preceded to advise me to drop the keys off at the front office when I am done moving out. Now all these years later, the company decided that I owed money for the apartment citing damages were done to the apartment which I advised the collecting company that the apartments failed to do a walk through and anything after I left was untrue. They harassed me, ruined my credit, call me all hours of the day and night after I repeatedly told them to stop calling me.
Product: Debt collection

XX/XX/2022 was the date it was added to my credit report. 
The company said I owe them {$1400.00}. 
I did a police report and sent it to them
Product: Money transfer, virtual currency, or money service

I am following a complaint against CashApp ( Block Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act specifically, CashApp be to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. 
Furthermore the dispute resolution process was unfair. And deceptive. As they did not comply. With error resolution requirements. Under the EFTA Electronic Funds Transfer act. And regulation E. These actions have caused significant. Inconvenience. And financial loss.
Product: Payday loan, title loan, or personal loan

Discover Bank uses unfair lending practices to deny credit to consumers. I applied for a debt consolidation loan on today and was instantly approved. After completing the application, authorizing them to complete the hard pull on my bureaus, and providing my account information for the accounts I planned to pay off, I was informed by the rep XXXX that my loan was declined. As a licensed lender, I was surprised that my loan application was declined since I have exceptional credit history and the means to repay the loan but the reason does not make sense from a lending standpoint. I am a victim of identity theft and have alerts on all of my bureaus that state whenever a credit inquiry is to be made on my SSN, I am to be contacted by phone ( at a number I have had for over 20 years ) for verification which I have never had any issues with until today. I was told that when my bureaus were pulled, my phone number is not reflected in the fraud alert ( which I know is there ) and that Discover is protecting me, the victim, by declining the loan. I have never heard of such a reason in all my years as a lender and there is no secondary procedure for a person who is a victim ; the rep also mentioned that Discover was having issues with the format of their reports that they received on the recorded line. I feel that Discover is using a bs excuse to unjustly deny credit to those who qualify according to their matrix and is horribly designed to promote prejudice for people who did not choose to be victims but chose on the other hand to protect themselves. I also personally called the bureaus to verify my alerts and the information listed within the statements only to be proved correct as I am very organized and aware when it comes to handling my credit.
Product: Mortgage

On XX/XX/22 we got approved by XXXX for past due payments, which mortgage has received it and applied. We also received the future 18 payments moving forward for the full amount of my mortgage payment and XXXX  worker told me they will be paying out starting XX/XX/XXXX. Until today mortgage says they have not received the payments and Im past due.
Product: Payday loan, title loan, or personal loan

Hi I had a Heloc with Wells Fargo & called on XX/XX/XXXX to ask for my pay off amount.They said it was XXXX plus XXXX a day after that.I went to their branch on XXXX XXXX in XXXX, Pa with a certified check for XXXX at XXXX XXXX est.The branch took my money & said the loan was paid off & closed.I went online the next day & it showed as a pending payment.I called Wells Fargo & said why is my loan still showing up online with a credit of XXXX, they said it takes a couple days & the branch did not ask me to sign a document that had to be signed.I called on XX/XX/XXXX & said how would I be getting my credit for XXXX & they said I would not be getting it back due to county fees.Why did they not tell me about these county fees when I asked for the payoff amount? Now I have to go back to the branch tomorrow in 0 degree weather because they dont know how to close out a loan.Also they said I would be credited the XXXX but on the phone call today XX/XX/XXXX they said nothing would be credited.I have been a loyal customer to this bank for 12 plus years & they are going to lose my mortgage, checking & savings account if they dont make this right.Thank you.Bottom line, I want my credit & a apology from management on this nightmare.
Product: Debt collection

Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX I wanted to send {$5000.00} to someone in XXXX, XXXX. I use Western Union because the banks in XXXX don't have cash for withdrawals. I have been sending to the same recipient between {$2000.00} and {$5000.00} every month since 2016, since he runs a program supported by my nonprofit organization. 

This time, when I went to send the online money transfer, I got a screen asking me to provide my bank account number and login ID and password, allegedly using a service called XXXX. The URL on the page said I was on a Western Union site. I called both Western Union customer service and our relationship manager at XXXX, and neither of them could tell me anything about whether XXXX is secure. I did not feel safe providing my bank log-in to a site with no way for me to know if it is safe. 

I wrote to the Executive Services office at Western Union and I asked my XXXX representative to escalate my question to someone at XXXX who could tell me if they endorse this procedure, but no one responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz Financial Services is reporting an erroneous late on my credit file. I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/20 late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXXAccount # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED TRANSUNION XXXX XXXX XXXX IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT
Product: Debt collection

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

ASPIRE SERVICING CENTE XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ASPIRE SERVICING CENTE customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove accounts 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/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint numbers : XXXX ; XXXX ; and XXXX am including them again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a record with XXXX XXXX XXXX on multiple occasions regarding an record they are reporting from USAA. On multiple occasions I have disputed parts of this record and request for its removal for varying degrees of incorrect/unverifiable information being reported, and yet they continue to report it. I spoke with them today and the representative told me that even though the date of birth is incorrect, it is such a low value of information that it still allows them to report the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 hard enquiries from XXXX which is on XXXX XXXX and XX/XX/XXXX XXXX I dont know what is the exact reason on the hard enquiry thats is the wrong hard enquiry can you please dispute that hard enquiries.I tired calling the bank they said me to call trans union so they said to contact you so you will be reporting to trans union I want this to be detected from your side and dispute the hard enquiry.
Product: Credit reporting or other personal consumer reports

the information supplied by XXXX card to XXXX, Experian and XXXX was inaccurate, A late payment was reported.
Product: Debt collection

XXXX  of the University XXXX XXXX and was working on a job site in XXXX. 
I sustained a XXXX  injury and was taken to the local hospital. 
An labor and industry claim was opened and approved for coverage of all expenses related to this injury. 
I have sent my labor and industry claim information to the XXXX department multiple times requesting that they bill the correct person responsible. 
Received a collection letter today from Creditors Bureau. 
I called them to let them know that this is not my responsibility and they would not listen. 
This is called balance billing and is illegal. 
The amount trying to be collected is {$56.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX sent my account to collections for a transaction. XXXX never issued me payment for an item I sold. They held payment because I was a new seller. The buyer returned the item however I never collected payment. XXXX issued a refund to the buyer but attempted to debit my XXXX account for the refund amount. My paypal account never received the funds from XXXX in the first place. My XXXX account is linked to my XXXX. XXXX has now sent me to a collection agency for the funds and is destroying my credit. Ive attempted to resolve and investigate over a dozen attempts via call and email with both XXXX and XXXX since XXXX 2020- now XXXX XXXX.over 9 months I have been seeking answers and resolution. XXXX refuses to give me any insight or proof and has locked my account. XXXX has also locked my account now. Both companies are saying the issue is with the other company yet refuse to work together with me to resolve. This is now falling into extortion- as of today the XXXX support agent said we are not doing anything and you either pay the balance we claim you owe or our collection agency will report you to the credit bureau XXXX XXXX says we never got funds from XXXX so you need to settle this with them and XXXX says we sent funds to your XXXX take it up with them or pay.
Product: Money transfer, virtual currency, or money service

Im filling a claim against Cash App ( Block , Inc . ) due to lack of customer service engagement and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take measures to prevent fraud and safeguard my account 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 Transfer Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account name : XXXX OF XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$35.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$810.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$8900.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account INQUIRIES : XXXX : XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  CA on XX/XX/XXXX GLS on XX/XX/XXXX XXXX/L on XX/XX/XXXX EXPERIAN : XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX  FINANCIAL on XX/XX/XXXX XXXX FINANCIAL SER on XX/XX/XXXX XXXX  FINANCE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ALTISOURCE/LENDERSONE on XX/XX/XXXX XXXX : ALLY FINANCIAL on XX/XX/XXXX TRIPLE XXXX XXXX on XX/XX/XXXX ALTISOURCE XXXX XXXX XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.