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

this is a charged off account for an automobile of mine that was repossessed a few years ago. I was trying to fix my credit so I had my credit report on my computer looking at it so I called the lender that I bought the vehicle from to inquire about the amount the vehicle was sold for at the auction and how much they claim that was charged off so while going over the file he the rep told me that he could mail a copy. then he proceeded to say that he seen an old complaint that I made to them about items that I did not receive out of the vehicle when it was repossessed. so I said no one never contacted me back so I just left it alone. so then he proceeded to get smart with me saying do you think we suppose to deliver them to you. so as to not engage in an argument with him I hung up. he kept calling back so I blocked his number. then 10 minutes later I received a notification to my email that someone just pulled my credit .I pulled up XXXX XXXX to see who it was and it was him the rep. I called him back and told him I just got notification that he pulled my credit and then put it in as a hard pull and stated auto loan. I was furious because I am trying to get my credit straight in order to buy a house in the next few months. he laughed and said yes he did and that I told him to do so I said I was reporting him he said so what and hung up I called you all and was told to file this form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Service LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear Sir/Madam, I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX and I did not give my consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), only creditors with whom I have applied for credit, insurance, or a loan may perform a hard inquiry on my credit report. I do not recognize this inquiry and believe it may have been made in error, or possibly due to fraud. I request that you investigate this matter, remove the hard inquiry from my credit report, and provide written confirmation of the removal. Please also inform me of the results of your investigation within 30 days, as required by law. Enclosed are any documents or information I have that may assist in resolving this issue. If you need further information, please feel free to contact me at the number or email listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I believe like i 'm a victim to false advertisement like many of the students fighting for there money back at XXXX XXXX XXXX. I think it was unfair to begin with to be pulled aside during class and told that I did n't qualify for aid so I needed to get private student loans. I have made my complaint with the XXXX about predatory loans, Overly ambitious job placement, and knowing gaining profit from people defaulting on there loans. I feel used, and I think that my life was wasted after so many years not being able to find a career within my degree. I really have no idea why I had to switch to federal, and I think I was to young to even understand at that point. only the threat of not being able to continue my degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize to consent nor benefit from the following account ( s ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have violated my consumer rights. According to 15 USC 1692g and 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) Equifax have reinserted negative items onto my credit report illegally. I demand that the negative items that was previously removed be deleted and blocked. It is illegal for Equifax to keep the negative accounts from XXXX XXXX on my file without any written notice of reinsertion. I know my laws and I will make sure they are enforced. Attached is my credit report from last month and this month to show the accounts was not there in XXXX but is there in XXXX
Product: Credit reporting or other personal consumer reports

I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX  XXXX XXXX XXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report.

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe.

Delete inaccurate and incomplete account information promptly.

Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations.

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( block , inc ) due to inadequate customer service and unfair practices. This violates the CFPA. In particular cashapp failed to provide timely and effective measures to address or prevent fraud or their platform. This left my account vulnerable and unprotected. Also the dispute process was unfair and deceptive since the did not comply with the error resolution requirements under the EFTA and Regulation E. These actions have cause me much inconvenience and financial hardships, including loss of money. I am seeking appropriate redress and compensation for these egregious violations.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


1. XXXX  - XXXX 2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX 4. XXXX  XXXX - XXXX 5. XXXX  - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of. My identity has been stolen a while ago someone was taking my mail out of my mailbox I did everything i was told to do and all the things where removed from my credit know they are coming back on my credit this is not my debt. Only thing this company could show me was my address that is all I ask them to remove this because this is not my debt I was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit report without me knowing it.

Jefferson Capital System {$1700.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Product: Credit card or prepaid card

Hello, I purchased a ticket on XXXX XXXX  XXXX on XX/XX/2020, which was 7 months ago. The Airline CANCELLED the flight. I have tried to reach the airline since XX/XX/2020, for almost 3 months without any answer from them. Since they cancelled the flight, their own policy states that they will offer a full refund as well as it is the LAW per the department of transportation in the United States of America. They are refusing to answer any of my requests for months for a refund and wrote back to Citibank, my credit card company recently that they won`t issue a refund, only a credit. Citibank is also refusing to give me my refund and said that they are siding with the merchant. For one this is illegal, because by law they have to issue me a refund not just a credit, and for 2, they never even communicated with me about the credit. I explained this to the credit card company, Citibank, and the investigation was closed in the merchants favor. I have re disputed this, as this is not fair, as it is illegal to issue a credit ( which I never received/been notified anyway ), when I want a full refund. Please let me know my options and If I need to notify counsel? On top of this, they mistakenly sent me another customer of the bank`s personal information/ other dispute information by accident which had all of their social security information, which is extremely frightening. I am hoping you can assist me with forcing Citibank to refund me my money that has been outstanding since XX/XX/2020, over 7 months ago, as well as fining them for sending me other customers information. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF XXXX XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contested these issues before. This is the 4th time now. I have submitted the following letters to all three bureaus. Experian XXXX and XXXX. 

I am submitting a copy of the letter sent to all three bureaus for each of the following creditors showing on my accounts. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX and XXXX XXXX. 

letters were sent on XX/XX/XXXX and XX/XX/XXXX. There were letters sent before these. I have received correspondence from Experian XXXX and XXXX with no changes to my reports To : Experian -- -XXXX  XXXX -- XXXX XXXX : XXXX XXXX -- -- XXXX XXXX  and XXXX XXXX XXXX aka XXXX and XXXX XXXX. 

I have submitted a letter stating the above collection or credit companies need to be deleted from my credit profiles. None on these agencies have sent any letter prior to placing negative information on my credit profiles which is a violation according the the Fair Credit Reporting Act. They were required to send this letter to me as a part of assuring maximum accuracy on my reports There are showing incomplete areas which to assure maximum accuracy of my report should be completely filled in as they are showing several blank spaces where open and closing dates are. ending dates and several other blank spaces which are shown on the copy of the reports I sent. ( Copy of letter enclosed ). I am requesting these companies be deleted from my profiles with experian XXXX and XXXX. XXXX XXXX is showing two different entries to make it look as if there are two different accounts. One account has XXXX  and another account has experian and XXXX. XXXX XXXX has never sent a letter prior to placing negative information on my account which is a violation. i have sent a letter to XXXX XXXX which shows two listings of 30 days late each. Please update these two listings as PAID AS AGREED never late. I have never been sent a letter prior to placing this negative information on my account. 

If i can not get this information corrected I will obtain counsel. this keeps going round and round and the information still remains on here. 
I have asked that inquiries I have not made be deleted. the only inquiry I have is XXXX XXXX. I did not make any inquiry to XXXX XXXX -- -XXXX  or any other company. I have asked that my names be corrected. My name is XXXX XXXX or XXXX XXXX XXXX. I have not gone by any other name. I have asked that addresses be corrected. I have one address. You show addresses for me at several other addresses. I am asking you for the final time to remove these addresses. I am not associated with them and do not reside and have never resided in any of them. I have been at the ramsgate address for over 25 years.
Product: Debt collection

I have a collection on my credit report for over XXXX and at that time I had insurance and was covered 100 %. This collection is a mistake and I have tried to resolve this matter with the credit bureaus as well as with the company which has yielded no results.
Product: Credit card or prepaid card

American Express advertises it's " Purchase Protection '' as a perk of their cards ( https : //www.americanexpress.com/en-us/credit-cards/credit-intel/purchase-protection/ ). However, what they don't tell you is that it doesn't actually provide any protection because it's secondary insurance and in order for them to actually cover anything you have to first make a claim on your home owner 's insurance or renter 's insurance. So if you have say a {$1000.00} loss within the advertised 90 days ( their maximum coverage ), and your home owner 's insurance has a {$500.00} deductible, American Express will pay at most the {$500.00} deductible and your home owner 's insurance would pay the rest ( but then your home owner 's insurance policy would go up the next year more than the {$500.00} they paid out ). This fraudulent misrepresentation of the " purchase protection '' on their website and in their advertising makes consumers believe they have purchase protection when in fact American Express has no intention of making good on their promises. I had this exact situation happen to me where I made a large purchase on my American Express card XX/XX/20 for {$2500.00} thinking that I was covered. I had to have the item repaired on XX/XX/20. Both the initial purchase and the repair costs were charged to American Express. American Express then refused to covered the {$1000.00} they advertise unless I make a claim on my home owner 's insurance, and then XXXX would only cover the {$500.00} deductible. They know that it makes no financial sense for home owners to make such a small claim on their policies because the insurance costs will go up the customers, so their " purchase protection '' program is worthless to anyone that owns a home or has renter 's insurance ( i.e. the vast majority of people ).
Product: Credit card

I have used a Care Credit card for several years, taking advantage of no interest, promotional purchase offers to pay veterinary bills for a XXXX, non-profit, rescue organization. On a few occasions, I have felt that promotional balances were paid in full but have still been charged interest. I did not investigate these at the time. This month we had several promotional balances due so I have been tracking the progress of payments. I noticed that payments are being applied to newer invoices with lower accrued interest amounts leaving older invoices with higher interest balances in danger of expiring. This morning I also noticed that a promotional invoice that is due to expire next month now has a larger balance than the original charge! This has changed since yesterday! I believe that this has been going on for quite some time and the reason that I have been paying interest on invoices that would have been paid in full had payments been applied ethically. I have contacted Care Credit regarding this problem. The payments were reallocated but I was told that I had to call to make sure that payments were applied to the oldest invoices. This is an extremely deceptive practice and needs to be stopped.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account ( XXXX ) I am asking you to verify as accurate. Account ( XXXX ) account name : XXXX : account number : XXXX ; Account ( XXXX ) account name : XXXX account number : XXXX ; Account ( XXXX ) account name : XXXX account XXXX : XXXX
Product: Debt collection

IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, First National Bank ( FNB ), reported with XXXX  and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX  and XXXX  disputing that error, but FNB sent them ( XXXX  & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, FNB reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. FNB received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that FNB received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my FNB online account activity, which shows that FNB acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but FNB has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
Product: Mortgage

Earlier this year, I refinanced my mortgage with Freedom Mortgage. 
In XXXX, my mortgage was transferred to XXXX Mortgage. 
My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please!
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX /Experian and XXXX consumer report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Let explain in my 20th email, and I emailed ceo what happen I went to XXXX in XXXX where I met an agent who ask me if I needed life insurance I said no because my records are messed up he said don't worry you can lie to get coverage. He insisted he won't help me with car insurance unless I wrap it with life insurance so I agreed to give life a try but not lie on the phone interview. Shortly after I called faxed, and email to cancel even tried to reach the VA to not allow records released because they were not accurate. The agent at statefarm told me yes I'll cancel before you uptained the reports. I want XXXX, MIB and the CEO of XXXX in this email to disregard my authorization to XXXX. Look at the proof I wanted to cancel sent previously, and the fact that I have witnesses to the agent trying to make me commit insurance fraud. My wife told me she went outside and overheard agents we think his name is XXXX talking with XXXX XXXX from XXXX, saying they got themselves a XXXX veteran and we can sell him any coverage because he is to stupid to understand what's going on. My point is not that I didn't sign a document. My point is I was taken advantage of told to commit insurance fraud and was not allowed to cancel before and after the report from my doctor was received. I already threatened to sue but I got a letter stating they won't remove and to sue if I wish from statefarm. In my file is all you need to see what I'm talking about. Please call me at XXXX if you have questions. I want someone else other then XXXX XXXX who proven to be very inconsiderate in the this. I want to forward to CEO of both companies since I have already been in contact. This is what happen to the best of my knowledge and i have lapses in judgement and memory because of my military service