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

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX AUTHORIZED USER Balance {$23000.00} Balance updated XX/XX/XXXX Credit limit {$30000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XX/XX/XXXX Credit limit {$5000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Credit usage - % credit usage unavailable Balance {$17000.00} Balance updated XX/XX/XXXX Credit limit -Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX, XXXX XXXX Balance details Balance {$1200.00} Balance updated XX/XX/XXXX Original balance {$1600.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XXXXCOriginal creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$1300.00} Balance updated XX/XX/XXXX Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX RESIDENT VERIFY Inquiry XXXX XXXX, XXXX Removal XXXX  XXXX
Product: Checking or savings account

On XXXX XX/XX/2022 at XXXX XXXX XXXX a charge of {$26.00} was removed from my checking account by XXXX on the same day at XXXX XXXX  XXXX another transaction by XXXX in the amount of {$540.00} was removed leaving a negative balance. At XXXX XXXX XXXX I received a text message from my bank stating a total of {$700.00} was being taken out and if I authorized it. I replied " no '' and the bank told me they were going to block and refund my money. I then immediately cancelled my card. On Sunday XX/XX/2022 the transaction went from " pending '' to accepted. I them on Monday XX/XX/XXXX at XXXX XXXX XXXX and filed another dispute. I informed them of the text message and that I had cancelled my card. The representative asked me to email a copy of the message to them and wait for a response. At XXXX of the same day I received an email back stating my dispute was denied. I immediately called them back to inquire as to why. The representative put me through to his supervisor who explained that the dispute department never opened the email and that the result was final. When I threatened legal action she agreed to put in a rebuttal and that I would have to wait an unspecified amount of time to hear back.
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  Date of inquiry XX/XX/year>, XXXX Date of inquiry XX/XX/year>, XXXX XXXX  Date of inquiry XX/XX/year>, XXXX  Date of inquiry XX/XX/year>, XXXX  Date of inquiry XX/XX/year>, XXXX  Date of inquiry XX/XX/year>, XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year>, XXXX  Date of inquiry XX/XX/year>, XXXX  Date of inquiry XX/XX/year>XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Capital One opened XX/XX/XXXX - and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late and old reported lates are appearing on my credit report affecting my XXXX XXXX. These should be removed from my history specifically : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account was closed with {$0.00} balance XX/XX/XXXX- so why are they reporting me 90 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I'm filing complaint and Putting your company of Legal Noticed You are Not conducting proper Investigation also you keep sending back that the creditors had verified I'm giving you a 30 day Legal noticed that action will be taking place! I'm not sure why the CFPB is not doing more that what they are doing as well I have requested from your office to respond back Via this site and you fail to do some Its plain and Simple that is proof that you are not conducting investigation But Again Legal action will follow I promise you!
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, which violate The consumer financial protection act ( Cfpa ) .Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

XX/XX/2024 Collection agency name : PORTFOLIO RECOVERY ASSOC Address : XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX Dear ( PORTFOLIO RECOVERY ASSOC ) I recently received a debt collection notice from your office for {$2900.00}. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists, creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have had a credit card for 4 years. XXXX  and Experian do not provide me with my credit report or credit score. I called both XXXX  and Experian several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) XXXX  error : " Record not found '' 2 ) Experian error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' XXXX  said that my first name is too short and so I need to hire a credit repair service. 

Experian said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with XXXX and Experian ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?
Product: Credit reporting or other personal consumer reports

Experian continues to show the following under comments for my XXXX mortgage account Customer under partial payment plan This is not true. I am not under partial plan. XXXX has confirmed this was removed. I submitted a dispute. The dispute was finalized today, but it still shows that comment. That comment is affecting my credit score with Experian. I have requested this several times and I can never talk to an agent to figure out what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft on all collection accounts as well as hard inquiries.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I've recently checked my credit report from Experian and XXXX and I was shocked to see a fraudulent account was reported in my credit file. The XXXX XXXX XXXX XXXX is a fraudulent account, I did not authorize anyone to use my personal information in order to open this account. I filed the FTC Identity Theft Report and included this fraudulent account in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
Product: Credit reporting or other personal consumer reports

Delete the late payments on XXXX by XXXX XXXX credit card and update the account to paid as agreed and cease the reporting of this account on my credit report due to the following violations : Kindly see file attached which details all these violations and why the late payment should be removed from the account and updated to pay as agreed and cease the reporting of this account on my credit report. I have attached copies of the various laws to back up my request.
Product: Debt collection

I recently reviewed copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Debt collection

On XX/XX/2020, I noticed a collection account from SUNRISE CREDIT SERVICES listed with the three major credit reporting bureau ( XXXX, XXXX , & XXXX ) with an opening date of XX/XX/2020 in the amount of {$3900.00}. This company never once followed the FCRA by contacting myself to verify the legitimacy of this debit. If in fact I was given the opportunity, the listed company would have been informed I have no knowledge of conducting business with this company nor a binding agreement of any debt owed directly and/or indirectly to this company.
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company

( I.C. Systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood
Woman with my God Given name ( XXXX   XXXX  : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF MAILINGHunter WarfieldXXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX : XXXX XXXXAccount Number : XXXXDear Sir/Madam : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. 

I dispute this debt because 1 ) I do not owe the debt and 2 ) I never received the item or service for which I am being charged. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 

Sincerely, _____________________XXXX XXXX : Federal Trade Commission - Consumer Response CenterXXXX XXXX XXXX Department of Consumer Affairs
Product: Credit reporting or other personal consumer reports

I recently have reviewed my credit report and noticed an account that's not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX. 
I'm now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action
Product: Checking or savings account

Hello, I submitted a previous complaint about Credit Karma because they were not responding to my emails requesting the closure of my account. Now I have another issue - I am still receiving emails from them about declined card transactions. I asked them back on XX/XX/XXXX when I will receive an update from a specialist about my issue and they did not respond. It is pathetic that I have to keep coming to this website to file a complaint about Credit Karma to take some action. 

Please stop the emails from coming to my email address XXXX. I told your member support team that XXXX will not allow me to remove the card ending in XXXX from my account. These emails are considered spam at this point and I am not able to unsubscribe from these alerts. If I get one more " Your account needs your eyeballs, XXXX '' email, I am going to scream.
Product: Bank account or service

I have been getting a lot of calls on my fax phone which I usually do n't answer. I answered and it was Convergent Outsourcing, Inc., a collection agency. They were calling about a XXXX XXXX Bank account. I do n't recall having an account with this company. I am now receiving mail requesting payment in full. I have checked my credit records and if I did have any business with this bank it has come and gone and has surely passed the time limit for being reported to any credit bureaus. I became a total and permanent XXXX veteran quite a few years ago, XXXX hit and I was living on the streets for awhile waiting for my XXXX compensation to start. That took about 13 years. Since then I have worked very hard on cleaning up my credit and at this I only have XXXX derogatory mark which is a paid charge off. I am still working on getting that removed since I have paid it. In all those years there was nothing about this bank. I checked online and found a lot of bad reports about all companies involved XXXX 

What I want to know is do I have to worry about something like this showing up in my credit reports and are there any actions I can take to prevent this.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, and I am writing this in hopes of getting a late payment removed. I do not recall making the payment late, However it can be an oversight. For 4 years I have never been late on the XXXXXXXX XXXX  account. In XXXX of 2022, there was a 30 day late being reported. 

I will like to know if this late payment can be reversed to current or paid as agreed as a courtesy. This late payment is hurting me from getting approved for other accounts. I will like if this can be removed. Thank You very much.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

My previous account had to be deactivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, XXXX, and Experian remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
Product: Debt collection

On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pendrick Capital ''. On or about XX/XX/XXXX, I received another " settlement offer '' from XXXX XXXX XXXX XXXX XXXX. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit  agencies. XXXX removed the account. XXXX validated the debt. At the end of XX/XX/XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX. regarding this and spoke to a XXXX XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from XXXX XXXX XXXX, which was " XXXX XXXX XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid Pendrick '' The  check that I sent for payment was mailed directly to XXXX XXXX XXXX using the address and information that was on the settlement offer. The back of my check is stamped by XXXX XXXX XXXX. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XXXX XXXX The first settlement offer and the second settlement offer equal the total debt due ( XXXX XXXX XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XXXX XXXX  as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XXXX XXXX. The second settlement offer has XXXX XXXX listed on the front and refers to the offer as a " sale '' but offers no information regarding XXXX XXXX.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.