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

I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX XXXX  Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Product: Debt collection

A woman claiming to be XXXX XXXX has left harassing and threatening voice messages at my home at XXXX for the past two days. She claims I have until XXXX to call her back or else. I called yesterday XXXX/XXXX/XXXX at XXXX and spoke with a gentleman from a " law firm ''. When I asked to speak to XXXX XXXX he does n't know who she is. He explained to me about a debt with XXXX from XXXX. I have not received a validation notice and he insists that I am lying and that I did receive XXXX of them. He verifies my address and still I tell him I 've never received one and I 'm not going to pay you over the phone without seeing something in writing. He was the most disgusting human being I 've ever spoken to. He was so demeaning and sarcastic it sickened me. I ask him for his mailing address and it took him 2 minutes to find it. He gave me the following address which is linked to a company called XXXX XXXX XXXX XXXX ( not a law firm ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, RI XXXX. I told him I will mail him a letter stating that he can no longer call my home number and leave threatening messages. He laughed at me. 

This morning I receive a phone call from XXXX XXXX. She insists that I 'm not the person that she needs to be speaking with. She continues to threaten me and tell me she will update her system and that I should be prepared for what 's coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts that are misleading in my file. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} This was already included in my prior Complaint, and I'm including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment on XX/XX/2018 in my credit file The information is incorrect.
Product: Credit reporting or other personal consumer reports

I am contacting you to express my concerns about several issues I have encountered with the credit bureau, including incorrect account listings, inaccurate credit reporting, and billing errors.
Product: Debt collection

For over a year now Ive been trying to figure this out. I told them multiple times after they called so many times that I never lived at this place. I had written documentation that was notarized to prove I wasnt. They never sent me information letting me know there would be an attempt to collect debt. And when I did speak to them I asked to send me information which I never got. Now its causing me problems in my personal life and finances its hindering me from becoming financially independent and successful
Product: Mortgage

My mortgage company changed the locks on my property after my XXXX house payment was 51 days late. I had called and talked with my account executive above being late with my XXXX payment due to seasonal work but I would make that payment in XXXX and my XXXX payment-I would have funds by XXXX XXXX. I called my rep on Thursday XXXX XXXX to make the XXXX payment and schedule the XXXX XXXX. The rep told me that they had sent someone to my property ( 51st day late was XXXX XXXX ) & they reported it vacant/abandoned. I told her that the property was vacant but not abandoned & that I have had vacant - insurance, etc. She made some comment about stopping " them from changing the locks '' and getting it straightened out. On Friday the XXXX after XXXX I went to my house and " someone '' had broken into my house - changed the locks, put a lock box on & some sticky notes stating : " The mortgage company holds the right and duty to protect this property. The property may be rekeyed and/or winterized within 3 days '' Is this even legal? NO phone call - NO overnight letter - The house was secure - they had to RIP my locks off my steel door. I have kept the " pieces '' as proof that the house was securely locked and they did not get in easily. 
On Saturday the mailman left a note regarding a certified letter that I can pick up AFTER the XXXX. I assume it is from the mortgage company. ( The mortgage company uses my current mailing address and must be aware that it is different than the property address on the loan. No mail deliveries are make that address ) Also I think this loan is a conventional loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent credit dispute letters to Experian and XXXX  via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from Experian stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information no knowledge of accounts cra violation please remove from the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Experian 3 letters trying to resolve this incorrect information on my credit report from XXXXXXXX XXXX  Acct # XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023. ( The one from XXXX the responded in less than 15 days which shows me the did not investigate nor furnish proof of accuracies, I have attached the response ). I requested proof of the debt and proof that the information is accurate because it is not accurate and does not have accurate consistent information such as Open date, last activity date etc. Experian replies with debt is accurate with no proof in addition to the information remains incorrect which inhibits me from receiving credit and when I do credit its extended its at a higher rate. 

I have included a recent 3 bureau Credit report to show proof of inaccuracies and it also illustrate this discrepancies in information between all three Bureaus which none of the 3 bureaus have been able to show proof and especially show information with accurate open dates and last activity dates. I have also included the three letters I have sent them. And also the generic letter they sent me without furnish proof on the accuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX  -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXXUNVERIFIED ACCOUNT Public Records-Bankruptcy-XXXX NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Cell : XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Subject : Request for Assistance with Removal of Inaccurate Information from My Credit Report Dear XXXX XXXX XXXX XXXX this letter finds you well. 

My name is XXXX XXXX XXXX, and I am writing to seek your assistance regarding several inaccuracies currently reflected on my credit report. Despite multiple attempts to inform the credit bureaus ( XXXX, XXXX, and TransUnion ) of these inaccuracies, I have yet to receive a response, and the erroneous information remains on my credit report. 

The presence of these errors is negatively impacting my XXXX XXXX, my ability to make significant purchases, and my opportunities for obtaining a federal job. I have enclosed a copy of my credit report, highlighting the accounts that should have been deleted a long time ago, as they have been resolved. Specifically, I am requesting the immediate removal of the following : XXXX. XXXXDelinquent Bank Accounts** : These accounts have been fully paid off and should no longer appear on my credit report. 
XXXX. XXXXollections Agencies*XXXX : Any collections agency currently listed on my credit report should be removed, as I have successfully resolved these accounts. Enclosed are copies of letters confirming the resolution of these accounts. 
XXXX. **Incorrect Addresses** : My current and only address is XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX Any other addresses listed are incorrect and should be removed from my credit report. 

Additionally, I am an authorized user for XXXX bank accounts with XX/XX/XXXX XXXX, XXXX, and XXXX XXXX. Please update my credit report to accurately reflect this status. 

The continued presence of these inaccuracies is causing undue hardship for my family and hindering my career opportunities. I kindly request that you intervene and assist in resolving these issues promptly. 

Once the necessary corrections have been made, please send me a copy of my most recent credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance and understanding. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

i contacted Santander Consumer USA first either XXXX or XXXX week of XXXX and conveyed that my daughter had a severe medical condition that required emergency intervention. She currently is uninsured so i helped with those expenses that were close to XXXX XXXX I had given them an arrangement that i was not positive i could keep yet they still notated the account. Due to these expenses we fell behind on everything. My daughter was misdiagnosed XXXX times and has only started feeling better XXXX last XXXX weeks. end of XXXX i called again to discuss missing payments and what kind of help they can actually offer other than just notating the account, which is all they ever did by the way.. Currently we have defaulted on XXXX payments and we do not qualify for any assistance because we are too new. We havent been established enough with the company so our hardship means nothing. I have explained that yes i can afford to pay the loan, that doesnt mean i have an extra XXXX lying around to catch up. I received a right to cure letter stating i had until the XXXX of this month to settle the debt so i contacted them to let them know the best i could do is pay them XXXX month today. Then another month in 14 days and then another payment on the XXXX of XXXX. I was told that was fine. I scheduled my first of XXXX payments yesterday as promised and they deleted payment and didnt credit my account. Theyre now refusing to help and refusing payments. Worst company i have ever dealt with and if i had read reviews beforehand, id never have said yes to this loan but we need this car and im getting a run around and i dont trust them. I dont even know if anyone can help me but if you can please try. Much appreciated.
Product: Checking or savings account

On XX/XX/XXXX {$15000.00} was wirelessly transferred out of my Citibank checking account without my authorization. I did not receive any alerts from Citibank by text, phone or email when this transfer occurred. I noticed the missing funds when I checked my account that evening. In addition, I was also charged for the wireless transaction that I did not authorize. I immediately called the Citibank fraud unit and informed them of the fraudulent activity on my account. I also completed an affidavit at my local branch on XX/XX/XXXX. I filed a XXXX  report at my local precinct that week. The fraud department at Citibank notified me that even though they have evidence that this transfer was fraudulent, they need to investigate further and that this investigation could take up to 60 days. I called weekly to get an update and ask for escalation however, I got the same response each week " We have a lot of cases and you have to wait ''. They also told me that the investigator completed the investigation and they are waiting for an approval from the back office team. The investigation took over 90 days, which exceeded their 60 day time frame. 

On XX/XX/XXXX I received a decision letter on Fraud Claim from Citibank ( Claim Number # XXXX ) with the following message, " We have completed our investigation of your fraud claim. Please note that it has been denied. Our decision was based on " You did not take adequate steps to safeguard your account ''. 

I do not agree with this decision. My account information including my debit card and banking checks were not lost or stolen. I in no way did not take steps to safeguard my account. A wire transfer was completed without my authorization. There is no way I could have prevented this event from occurring. Citibank confirmed that it was fraudulent but are placing the blame on me. My funds at Citibank are FDIC insured up to {$250000.00} and yet they will not return my funds to me. 

I am going through economical hardship and Citibank has been not sensitive or helpful in navigating this process, even though I have been a client of theirs for over 20 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. I am a victim of identity theft resulting from a data breach, and these items were fraudulently added without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of these fraudulent entries.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block ink 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 air resolution requirements under the electronic fund transaction act EFTA and regulations E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Vehicle loan or lease

I have been staying in my car. 
I was pulled over and got arrested by office stating that I had a broken tail light but it was a lie. Wanted to get me out of car to arrest me for running my plates and having a warrant ( was supposed to be quash ). Not given an option was told I was leaving my car behind as they had to take me in. I was told vehicle was going to be OK to leave behind. This was at XXXX XXXX. Same day in the evening I went to get my car as I was released for miscommunication. My car was no longer in the parking lot ... called number in the lot that no cars can be left overnight *officer never mentioned that ). They didn't take my car. They advise another company took it. Called the non emergency police number. Advise car was taken by another company ... my lender has requested to pick up car. It got removed from lot at the same time I was being arrested. Not sure if the government can work with finncial institution in entrapment to get their possessions back that I legally had in my possession was just behind in payment which I was not 100 % aware. Long story short ... called lender. They told me I had my car repo and couldn't give me a lot of details. I advise that I was going to file bankruptcy include the vehicle in the BK. I ask to speak to that department to get further instructions on what I needed to do. They refuse to connect me to the department. They gave me no help, told me car was going to be sent to auction but wouldn't tell me when or tell me anything per the Arizona laws on how much time I had. I keep calling to tell them I wanted to include in a bankruptcy and would not help me. I am trying now to get my personal stuff ( my whole life was in the car like money, identity, my memories of the last year living in the car, my personal belongings ). Now I have nothing and its more difficult now to identify myself and get around in this state specially when we have heat warnings, they have left me in the streets with no shelter ( car was my home ) no money, no identity, making me once a functioning member of society into a nobody in the streets whom nobody would listen to. In final ... I am just human who made some mistakes in my life, but I am still a human being! Don't want to be what they have left me to be a nobody who has nothing, no identity, no money and no car/home thanks to our own judicial system. Emotions took over ... just american Credit Solutions would not help me with loan even after I informed them I wanted to file for bankruptcy and include the vehicle. Just told me that I would continue to get daily interest and car would be sent to auction if didn't pay that day and couldn't guaranteed my possessions left in the vehicle that is in a city 30-40 miles away. My phone, laptop, savings. my everything is in that car
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Experian 's Noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear CFPB Representative, I am writing to formally lodge a complaint against Experian for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Despite multiple attempts to address these issues directly with Experian, they have failed to fulfill their legal obligations, causing significant harm to my credit profile and financial well-being. 

Description of the Issue [ Provide a brief explanation of your issue. For example : Experian has repeatedly reported inaccurate information on my credit report, failed to properly investigate disputes within the legally required timeframe, or refused to correct inaccuracies despite providing sufficient documentation. ] Failure to Ensure Accuracy : Failure to Investigate Disputes : Failure to Notify Furnishers of Disputes : Resulting Harm : I respectfully request the CFPB investigate Experian 's noncompliance with the FCRA and take appropriate enforcement actions to ensure they meet their legal obligations. Specifically, I ask for : A thorough review of Experian 's practices regarding my case.

Verification and correction of all inaccuracies in my credit report.

Implementation of stricter compliance measures to prevent future violations. Delete all negative accounts.

Conclusion Experian 's failure to adhere to the FCRA has caused me unnecessary distress and financial harm. I trust the CFPB will address this matter promptly and take necessary actions to hold Experian accountable for their obligations under federal law. 

Thank you for your attention to this matter. Please feel free to contact me if additional information is required. 

Sincerely, XXXX XXXX