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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my Experian, Equifax, and Transunion Creit report and found multiple inaccuracies on the Auto Loans or Leases with XXXX XXXX XXXX XXXX. Starting with 1. Payment history- Its stated that my original balance {$21000.00}. Starting with XX/XX/XXXX as first balance showing on report as {$20000.00}, then paid {$410.00} in XX/XX/XXXX leaving a balance {$19000.00} missed XX/XX/XXXX and XX/XX/XXXX payment balance is still {$19000.00}. XX/XX/XXXX paid {$410.00} but balance now shows amount of {$22000.00}. Explain how my balance increases {$2800.00} when it should be decreasing to {$19000.00}. 
2. Paid on date : Dates do not match my bank records XXXX. Payment amounts : Amounts do not match my bank statement. Example it shows I made a payment of {$1000.00} on XXXX. XXXX, XXXX when the correct amount was {$1000.00} on XXXX, XXXX 4. Last payment date : is incorrect, last payment I made was XX/XX/XXXX not XX/XX/XXXX. 
5. Multiple monthly payment amounts on a fixed loan : XXXX XXXX XXXX Payment amount {$410.00}, XXXX XXXX XX/XX/XXXX payment amounts {$670.00}. 6. Account being reported as CO for the past 7 months further extending my statute of limitations 8. Was not notified of Reposesion 9. Wasnt notified to get personal items 10. Wasnt notified of auctioning off of car 11.wasnt notified of debt owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late date : XXXX Creditor : XXXX XXXX Late dates : XXXX, XXXX XXXX XXXX XXXX date : XXXX XXXX XXXX XXXX XXXX, XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and remove it.
Product: Debt collection

I wasnt really in the habit of checking my credit report around the time this collection reported so I was already past my 30 days for validations. Ive reached out to this company for original paperwork and proof a signature from the credit card and it hasnt been sent to me. Therefore this company is illegally reporting false information on my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXXXXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
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 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 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 ) ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Two companies accessed my credit report without my authorization. The following inquiries were not authorized by me : XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Self lender has been disclosing non public personal information on my credit report that violates 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; section 1681s3 of this title ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Late payments and credit utilization are a result of transaction history.
Product: Money transfer, virtual currency, or money service

I was a victim of someone stealing XXXX dollars from bitcoins from cash app and they didnt give my money back and did not reach out even through email told me it wasnt anything they could do I lost my money and never received it back from cash app
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENT NEEDED AS LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$2000.00}, XXXX XXXX {$5700.00}, XXXX {$240.00}, XXXX {$1000.00}, XXXX {$1000.00}
Product: Debt collection

I pulled my credit report and saw that Afni had a collection account on my credit report. On XX/XX/22 I sent them a letter stating that I received a copy of my credit report and unbeknownst to me they had placed a collection on there without sending me any validation information prior to doing so. Per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts. a debt collector must provide a consumer with the validation information. Which they failed to do. 

Its been more than 30 days and I have not received a response from them. This is NOT my account, this is NOT something I owe. 

Ive included the certified letter that was sent and received by AFNI.
Product: Mortgage

Recon Trust sent documents that raised more questions what is the actual foreclosure date XXXX XXXX or XXXX XXXX Why was there XXXX Trustee Deeds Upon Sale Recorded The purchaser in XXXX XXXX received a Quit Claim Deed - signed by Notary XXXX XXXX XXXX - document unable to be verified by county recorders notary division - XXXX XXXX XXXX - Certified No Record Found XXXX XXXX XXXX is the same person whom posted Certificate of Posting XXXX ( received by XXXX XXXX in XXXX XXXX my first time seeing notice ) XXXX XXXX XXXX is also the Quit Claim Deed notary to Investor in XXXX XXXX - Certified No Record found appears to be fraud and Void
Product: Checking or savings account

I simply can not connect to my PNC account from my XXXX account due to some tech issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX  credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX  credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM OPEN ACCOUNT FRAUDULENT UNDER MY NAME ON XX/XX/ XXXX XXXX Reporting fraudulent activities to the credit bureau that is damaging me and my family credibility, I never opened and account with JEFFERSON CAPITAL SYSTEM or give them any permissible purpose to obtain my information NON DISCLOSURE without Consent is IDENTITY THEFT, I made several attempts to show proof of a contract and they ignored my request
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX FIN XXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. 

-XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information contained in my credit report. Upon reviewing my credit report, I have identified an account that is inaccurately reported. 

I would like to bring to your attention that the information regarding this account is inaccurate. As a result of these inaccuracies, my creditworthiness has been adversely affected, and I am requesting immediate action to rectify this error.
Product: Money transfer, virtual currency, or money service

A zelle fraud for a company, I made a claim and nothing happened, I send a bunch of emails and never refund my money
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent an email to XXXX asking " Do they report bankruptcies to any credit bureaus, or third parties. '' And I received a letter back from them saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

According to 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.

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX  for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX XXXX  to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a round of disputes a while back with zero response from the bureaus, did they even process them? I am seeking a resolution on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. I believe they have engaged in practices that violate the Fair Credit Reporting Act ( FCRA ) and have negatively affected my financial well-being and credit standing. 

Despite my diligent efforts to dispute inaccuracies on my credit reports, I have repeatedly encountered problems with having the credit reporting agencies respond to why my credit score has gone down without any negative information. In fact, my credit usage and limit has been consistent for a decade, yet my credit score fluctuates. The credit bureaus have not been able to provide me information as to why the scores have gone down. In fact, customer service representatives have frequently told me they do not know whey because no adverse information has been reported in my accounts. 

I have followed the required dispute process by sending letters to each of the bureaus, providing documentation to support my disputes. However, I have not received the corrections or proper responses to which I am legally entitled. 

Under the FCRA, credit reporting agencies must conduct a reasonable investigation when a consumer disputes information on their credit report. In my case : - My disputes were either dismissed or processed inadequately, leading to no significant changes to my credit files. 

- Some disputes were not investigated within the required timeframe, or I received form-letter responses rather than evidence that a thorough investigation was carried out. 

As a result of these unresolved issues : - My credit score has been negatively impacted.

- I have experienced emotional distress and additional financial expenses in constantly monitoring and disputing my credit reports.

I am aware of recent legal actions and settlements involving Equifax, Experian, and TransUnion regarding their credit reporting practices. I am submitting this complaint so I may pursue any remedies or relief available to consumers as part of, or in addition to, any class action lawsuits or enforcement actions pending against these credit bureaus. 

If you require any additional information or documentation to support my claim, please feel free to contact me at the information listed above.
Product: Credit reporting or other personal consumer reports

Im writing to file a complaint against XXXX XXXX XXXX because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a COVID-19 recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : XXXX XXXXXXXX XXXX  Date of Enrollment in COVID-19 Recovery Modification : XX/XX/year> What Happened : I signed up for a COVID-19 recovery modification with XXXX XXXX XXXX  on XX/XX/year>. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But XXXX XXXX XXXX is still reporting late payments to XXXX, Equifax, and XXXX, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my COVID-19 recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get XXXX XXXX XXXX to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied with XXXX  XXXX XXXX to have my credit limit on my credit card to reflect more money. One of the reasons I was denied was to many credit inquiries on my report in the past 12 months. Before this I have not applied for anything that would require a credit report. This letter I received was XX/XX/2021 2021
Product: Mortgage

On XX/XX/XXXX I received a Loan Estimate from Residential Bancorp - XXXX XXXX. At the time I did not know they were supposed to put the full deposit of {$11000.00}. It was just the {$2500.00} deposit. ( Which the {$11000.00} was given before XX/XX/XXXX ). Today I realized only the {$2500.00} was showing on pg. 2 in the Calculating Cash to Close/deposit section. This was showing I still needed to {$14000.00} instead of {$6200.00}. I contacted XXXX XXXX in regards to this not reflecting on the Loan Estimator and she sent me the price addendum instead of a new Loan Estimator.  I explained that this should be reported on the disclosure, she had XXXX XXXX contact me stating it was not the Loan Estimator but the Initial Disclosure completed by their former loan originator. I explained that is not the disclosure Im referring to and the email I received was sent by XXXX XXXX on XX/XX/XXXX. XXXX responded that my loan amount was listed. I never disputed the loan amount. I am only disputing the cash to close information. Im not sure they did not add this information when it was known ( statement requested confirming items cleared ). I  have had other issues like not knowing Im paying points for a lower rate but am not complaining about this, only my disclosure is incorrect. It appears to be deceptive since my actually out of pocket should not be {$14000.00} but {$6200.00}.
Product: Checking or savings account

XXXX sent an email saying they are closing all debit card account. I tried to login. I can't. I emailed them to request they liquidate my account and return my money to my XXXX account. They are trying to force me to sign a contract with a different company in order to get access to my account. I DO NOT ACCEPT THAT CONTRACT. I DO NOT AGREE TO THE TERMS OF SERVICE AND WILL NOT CLICK I AGREE TO SOMETHING I DO NOT AGREE TO. They are trying to force me to share my ID with a company that has nothing to do with my bank. My identity has already been stolen and uploaded ID copy used to open other accounts because of you!!!
Product: Credit card or prepaid card

I lost my cash app card and had an available balance of over {$400.00} on it. Cash app refuses to give Me access to my funds because I dont know the card number ( even though its lost so I dont have it ) I have verified my name, email address, home address and phone number attached. I even was able to provide a multi authentication code that was sent to my phone number. I was advised to create a new cash app account and they would be able to transfer the funds from the old account to the new account, however after doing so they say they are unable to. There has been purchases made on the account since the card has been lost but cash app refuses to send me a new card, or close the account or even suspend it to prevent additional purchases being made on the card. I have been calling since XX/XX/2022. They refuse to let me speak to a manager to try and resolve and at the end of each call I am advised to call back and speak with the next agent. This is now 5 months and I am unable to get my funds from cashapp My old cash app account that has the funds in it is XXXX XXXXXXXX the phone number associated with it is XXXX the new account is XXXX XXXXXXXX with the email associated XXXX XXXX
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.