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

I am a victim of identity theft, these information and transactions and items are not mine or conducted by me as a consumer. 

XXXX  XXXX date XX/XX/XXXX account is wrongly reporting as late payment this account has been paid and closed. 
please delete this information and block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o Equifax lists the account as Amount in high credit original charge-off amount and mentions Consumer disputes after resolution.

4. Inconsistent Payment Histories : The payment history reported by XXXX, XXXX, and Equifax varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ). 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/1985 SSN : XXXX
Product: Debt collection

jefferson capital system acct. no. XXXX is wrongfully reporting on XXXX, XXXX, and XXXX credit bureaus.J.C.S.is collecting for a fraudulent XXXX XXXX debt, the original creditor.JEFFERSON CAPITAL is trying to collect XXXX dollars, of which 700 approximately appeared in charges after I cancelled for poor service and reception and had switched my phone and telephone number to XXXX XXXX.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to service and fair plar enqual casteer clies, wnich 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 XXXXwas unfair and deseptive, as they dignot, 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: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XXXX/XXXX/2021 and XX/XX/2021 but nothing has been done. please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. .I disputed the accounts with XXXX, Experian , XXXX  for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, USDOE/XXXX XXXX, US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with all 3 bureaus and while XXXX and XXXX deleted it, TransUnion continues to report it without having legally verified it. I 'm well aware of my rights and this includes knowing that TransUnion can not call the company. Their response was that they called this collection agency and it was verified. I 'm well-versed in the FCRA regulations and know for a fact that a phone call is NOT, in any state, legal verification. Seeing my name on a screen is not possessing the physical documentation. They are not allowed to just repeat to me what was said during this phone call and must perform an independent investigation, obtain the actual documentation and forward it to me. There 's NO PROOF of ownership and if this is how they " verify '' accounts, then that means I can claim that anyone, including the person reading this complaint, owes me {$100.00}. Or {$5000.00} or {$500000.00} for that matter. 

Directly from my dispute : I would like for you send me the paperwork with my signature on it for this XXXX XXXX XXXX XXXX. Im aware that legal verification is required to keep a disputed item on my credit report, and that calling the company to find out if this account is mine does not pass for legal verification. In XXXX XXXX TRANSUNION XXXX, Congress states that the burden of proof is on the bureaus and creditors not the consumer. Having said that, you can not keep this collection on my credit without the required paperwork that follows the account. Id done my research and have not only read through lawsuits, but Ive also poured through testimony from ex-personnel from the credit bureaus. These people testified to the fact that the CRAs are required to have the paperwork verifying the accounts prior to even reporting them! So, if youre required to possess this paperwork, then it should be very easy for you to send it to me. If youd had any paperwork, you would not have called this company to verify. You are not at all allowed to parrot what the creditor has told you, because seeing my name on a screen does not pass for legal verification.
Product: Mortgage

We have a mortgage on a rental property that is almost paid off. We owe about $ XXXX. on it at this time. we have excellent credit and always pay our bills on time. 
This particular mortgage we have had with XXXX for the past several years. We have been very happy with their services and efficiency. 
Recently, we received a letter in the mail indicating they have sold this particular mortgage to NewRez, LLC. While I understand reassigning a debt is common practice and has happened to us many times in the past, I am very unhappy with this choice. We read reviews on line indicating they fail to make escrow payments, they fail to pay refunds when they are due, and generally have " loose '' business practices. 
I realize it is possible to deal with this type of company if one is particularly careful, but I am seriously alarmed by the notation at the bottom of the letter that was sent to us notifying us of the change in service. It says " Goodbye RESPA XXXX, XX/XX/2019 ''. This indicates to me that the company has no interest in protecting my rights and feels no responsibility to provide consumer protection or behave with integrity. 
I attempted to contact them to discuss the matter, but could only obtain a recorded message. I contacted XXXX to see if they could assist me. They said my " investor '' was XXXX, and I would have to contact them directly to discuss the choice of companies they had made. I called the number the very nice XXXX employee gave me, but it was not in service. 
I have no one to discuss this with, and no choice in the matter it would appear. In the past, this would not have been a concern, but I find this situation alarming. I have worked in XXXX XXXX for many years and realize the serious value of RESPA, and do not want to work with a lender who makes it blatantly clear at the outset they have no intention of protecting my rights. 
Please let me know if there is anyone who can assist me in this matter. 
Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute XXXX XXXX LLCDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all filed ftc
Product: Credit card

Please, I'll pay the XXXX  on my account, and also please accept my paid as aggreed, I'll pay handsomely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Address : XXXX XXXX XXXX I XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, Fl XXXX, XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Incorrect information is showing in my report 1. account showing as open 2. unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.
Product: Credit card

First I was getting text on my phone saying this is my confirmation code. Received XXXX  times at XXXX then XXXX  times again at XXXX. So I called Capitol One told them what was going on and as I was on the phone the hackers were making charges of XXXX over and over while on the phone. I ask if they could stop it cause they kept charging it. Capitol One said not not until it's not Pending. So finally they shut down my card, but not before they racked up XXXX charges on my card. Told them it was my XXXX acct and what the last XXXX dights of it was. They said they would expedite my card, and did. Got in in XXXX  days, then come to realize it was for my husband 's acct NOT mine. Call back ask again, to expediate it by a manager because of their error. Still haven't received it today, so called. They said it had not been sent, and they don't know why? Ask to talk to a manager thought they were smarter, wrong again. She said because they had done it twice it would be another 10 days, I need that money it's my grandson 's XXXX XXXX money. They kept sayin same, sorry another week. And this for something I did NOT do, they did, now I have to wait not once but twice for their screw up. How can I file something... anything against them for their continuous screw ups with my card? I'm so done with their EXCUSES how can we hold them accountable?
Product: Money transfer, virtual currency, or money service

They closed my account because I requested to change my password but there was over {$600.00} left in the account that they're trying to just keep for themselves. I want my money back. Surely this can't be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I xxxx xxxxxx the natural person who is currently of age of majority would like to validate the information listed above is accurate and herby would like to address several violations that have occurred between the creditor and Experian in violation 15 U. S. C 1681c Requirements relating to information contained in consumer reports States Information excluded from consumer reports except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Fact, ( 1 ) Cases under title 11 of the United States Code or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

Facts, 15 U.S.C 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission pf a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a debt- Fact, The Fair Debt Collection Practice was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report due to Experian has willfully violated several of my rights I am requesting for all related information to be removed. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report Chapter XXXX Bankruptcy XXXX XXXX : xxxxxxxxxxx Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both XXXX and Experian. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the XXXX and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to XXXX They said they would send me a letter and that I should hear from XXXX in 30 to 60 days. XXXX refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.
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. 

Account name : XXXX  XXXX XXXX # XXXX, account name : XXXX XXXX  # XXXX, and account name : XXXX XXXX # XXXX, had 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 : Or also states a consumer reporting agency can not furnish an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

There were significant delays in receiving my EDD BofA Debit Card which were not my fault. Due to these delays, I had to apply for an emergency cash transfer from XXXX XXXX. This is a state service, just because it is privatized out for management does not mean that XXXX XXXX XXXX and other due process rights dont apply. Instead of sending any kind of notice, XXXX XXXX told me to just call a bunch of times to see if it had been processed. My first transfer was denied, apparently, no reason given. My second was approved, but they did not communicate with me that I would also have to call to check for approval. I was entitled to both a denial and an approval notice. 

Secondly, I dispute the {$15.00} fee that was imposed for this emergency cash transfer. While the fee notices are posted, I dont see any info on how to dispute this deprivation. For {$15.00} I should at least get notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX  account number XXXX and XXXX XXXX XXXX  account number XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting

This dispute and investigation is for Equifax Credit Bureau. I had XXXX accounts with XXXX XXXX XXXX as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Equifax has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Equifax that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Equifax also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Equifax reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Equifax not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Equifax keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!
Product: Credit reporting or other personal consumer reports

i have been recently trying to dispute collections XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the rest of the negative balances, i firmly believe that i am an victim of identity theft and would need futher help. i requested for experian, XXXX or XXXX to remove because it wasnt my authorization and also i never had a contracts with the collections or gave pro-mission at any time .. and that it is a violation and against the law.