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

I am writing to request the deletion of inaccurate and fraudulent accounts, inquiries, and information present on my consumer credit reports and to bring to your attention the failure of FactorTrust to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent a certified a dispute letter to this company requesting verification of these accounts, inquiries, and information as per the Fair Credit Reporting Act ( FCRA ), and have obtained a certified receipt with a signature confirming their receipt of the letter. 

Despite my efforts to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company but consumer report request. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory accounts and information from my consumer report. Despite the receipt of my dispute letter and the lapse of the 30-day period, FactorTrust has neither provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law I'm demanding the deletion of these accounts, inquiries, and inaccurate information on my credit report immediately. 

I formally request FactorTrust to remove the disputed accounts, inquiries, and information from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

I have enclosed a copy of the certified dispute letters and certified receipts with the tracking number, date, and signature someone received it for your reference. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts off my credit report. Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

My credit score dropped more than XXXX XXXX points due to a late payment in XXXX after having XXXX years of perfect credit. I called trans union to figure out the cause. They said that there was XXXX late payment in XXXX that made it drop. They directed me to call the bank and request to have it removed. I called XXXX  XXXX XXXX and they told me that I actually had XXXX late payments. I told them that during those months, I had a family death, was graduating college, and moving out of my apartment. They told me that those were valid reasons to have those late payment reports removed. I checked my credit and it was still the same so I called trans union and asked why my credit score was not restored. They said the bank had not removed them. I then called the bank who said they had in fact removed the payment off of my record. Since then, i have called both XXXX  XXXX XXXX and Trans Union XXXX XXXX asking why my credit score has not been restored. Both companies tell me they are opening disputes to remove the charge and restore my credit and nothing has been done. My credit is still over XXXX XXXX points lower and I don't know who to call anymore to fix it or why the disputes are going nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Synchrony credit card has a balance left on my credit report and the balance has been paid down to XXXX
Product: Debt collection

On XX/XX/year>, at XXXX I received a text from Shepherd Outsourcing a debt collector regarding XXXX XXXXXXXX XXXX ( XXXX XXXX  for which current creditor is XXXX XXXX XXXX XXXX ). I informed them to stop texting me. Later on that day they decided to contact family members and share information regarding this matter. I have not given any permission for them to discuss or contact anyone regarding this debt. They are breaking the Federal Fair Debt Collection Practices Act ( FDCPA. I have screenshots and proof of attempts. I will be taking further action by contacting my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a  XXXX   XXXX  in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did two credit checks on   XXXX /17  -  one  with Experian and one with   XXXX  . I was told that there would be one hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XX/XX/XXXX victim of XXXX Domestic for XXXX XXXX XX/XX/XXXX XXXX XXXX removed of my business, change passwords in automatic credit card payments, stole all my business, stole my money, closed my bank accounts, NO JUSTICE IN THE STATE OF NEW MEXICO. Authorities of the Third Judicial District in XXXX XXXX New Mexico Violated my Human Rights of a Citizen of the United States of America please if you know anyone that can help in another state investigate this case FBI, authorities that can put the law above the authorities that violated the law of the United States of America and review my last court on XX/XX/XXXX in XXXX XXXX NM, By the official XXXX XXXX XXXX Violated my human Rights of a citizen of the United States of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Debt collection

Hello guys, I bought a XXXX phone from XXXX XXXX XXXX store in XX/XX/2018. 
which phone was returned to the same store after a week ago. I do have proof of refund to the store. 
So I don't know why are they want me to charge again. 
Also I called to them so many times but they still sending me debt collection letter. 
please help me to remove this amount from my credit account.
Product: Debt collection

Someone had gained access towards my Navy Federal Account, through changing my password on XX/XX/XXXX of XXXX. They had then deposited {$1700.00} USD and taken it to do some sort of cash order from XXXX. I had received emails of both of these statements occuring, but shortly after this my account had been closed due to suspicious activity on the card. I then began to receive letters in the mail from Navy Federal stating that I had an undisputed overdraft of {$1700.00} in my account due to this occuring which then I had contacted and called them. When I called them, they stated that I had taken out these {$1700.00} dollars to XXXX, but I have no recollection of using XXXX  since XXXX. Forward to present, I have received a letter from XXXX XXXX XXXX stating that I have an unresolved debt of this {$1700.00}.
Product: Credit reporting or other personal consumer reports

On XXXX at XXXX XXXX. Equifax ( Manager at Equifax ) denied me my rights under the FCRA and CCRA to file a dispute of a Hard Inquiry placed on my credit report/file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A inquiry that I did not apply for to receive a hard inquiry. The Manager at Equifax stated to me directly that Equifax internal protocol is bigger than FCRA and CCRA, that the Sections of the FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( C ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, and FDCPA 809 ( b ) means nothing because our internal protocol out way all the sections you are stating. Now, by me being a victim of Identity Theft my claim nor my disputed should been denied.
Product: Credit reporting

it says I have new employer called XXXX. This is totally wrong. Ive been retired for XXXX yrs.
Product: Credit card

I have not tried to contact Sychrony bank because they either do not care, their managers are rude and couldn't care less, and they do respond to emails that have been sent. 

My credit limit on my Verizon Wireless account was reduced from {$800.00} to {$240.00}. I use the card regularly to pay my Verizon Wireless account. It is paid in full every month. Synchrony bank basically left me enough credit to pay one bill and charged the next. Should I thank them????? This is the XXXX credit account they have slashed. They send the same form letter for every credit card. Can they please leave me alone!!!!! They ruining my credit that I am diligently trying to repair!!!!!
Product: Mortgage

Franklin American Mortgage is involved in my insurance claim process since XX/XX/XXXX and  they are not releasing the funds necessary for the home repairs. I have submitted all of the forms they requested, including a signed receipt for the {$10000.00} I paid the contractor upon 50 % of completion of the repairs. They have only release {$10000.00} to the contractor this week but have given me conflicting information about my reimbursement. The inspection of the repairs still hasn't been scheduled even though I put in the request two weeks ago. Last week they mailed me the insurance check back saying that my husband had not endorsed the check, which is false. Both myself and my husband had endorsed it. Then their supervisor called me and said that XXXX had to endorse the check. XXXX ISSUED the check and their name was simply labeled on the check. Every time I call, I get a new excuse and different information as to why the funds haven't been released. The house suffered structural damages so I decided to pay for part of the repairs ( foundation ) out of pocket. Last week for the first time I heard that the invoice I sent signed by me and the contractor had to go through a review process and that would take an additional 3 to 5 business days. 

I have note heard from Franklin American on this issue. They continue to hold on to my claim money and give me conflicting and incorrect information on a daily basis. Here 's the log of issues since this complaint was filed : - I was told last week that an exception request for the reimbursement of the {$10000.00} that I have paid the contractor and provided a signed receipt for, just was I was instructued, was being processed. Yesterday I was informed that it had been denied on XX/XX/XXXX without any explanation. I was then told by the rep that she'd put in another exception request for me referencing the paid receipt. I called back later in the day and was told by another rep that the previous rep " got side tracked '' and never put in a request. So now I have to wait another 3 to 5 business days to have a response from " corporate '' then another 3 to 5 business days for the reimbursement to be processed, assumed it's approved. This is yet another delay tactic to hold on to my money as I had been told that as long as I provide a receipt signed by the contractor I'd get reimbursed. I need this escalated ASAP! How am I expected to get my home repaired and pay my mortgae on time if these people are not releasing the funds?? 


- I have asked to speak with their supervisor and was told that someone would contact me in 2 to 3 business days. My latest request was on Monday and as of today, Friday, nobody has contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time XXXX XXXX has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.
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 accounts vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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 card or prepaid card

XXXX  XXXX XXXX credit card issued by Comenity Bank has billed me for items I have did not receive. The items were stolen from a purchase I made online. When I picked the order at store I was given a partial order. I reached out to XXXX XXXX via online customer service and they told me to go back to store to get credit for stolen products I did not receive. It is outrageous that they send me back to the store as if it is located around the corner. If I ordered online the credit should have been applied. Since my first contact with company I DID NOT receive any bills my mail and/or other contact, which contributed to me overlooking any outstanding charges. The bank immediately placed a 30 day lateness on my credit and affecting it with a 80 point credit drop. I have tried to rebuild my credit and you may see that I have especially with several of my Comenity Bank issued credit cards. 
I would like the proper credit to my charge card and the removal of the late payment ( s ) they have applied to my credit report. They have stolen items my order and have credited my account properly.
Product: Debt collection

An account was opened in my name and it shows the account opened with my information but with a different birth year. My ID has been stolen on a few different occasions and it looks like this account was opened without my consent. 

The account that was opened shows my age at the time that the account was opened as incorrect. There is a phone number on the account that is not mine. The signature on the account when it was opened is signed electronically and it is just scribble and could be signed by anyone. 

I had a few documents come in the mail from the company but I thought they were just advertisements and didn't even open the documents. I was served with papers saying I was being sued by this company and had no knowledge of the account.
Product: Debt collection

I recieved a call that sounded like it was either a XXXX where your number is cold called. A man picked up and asked for me by name, stated he was calling about " personal business '', and refused to answer what this referred to. He tried 5 or so times to get me to verify personal information and gave sensitive information over the phone ( last 4 of my social security number and my birthdate ). He never indicated that the line was being recorded or that the call was an attempt to collect debt or that he was a debt collector. I refused to verify my information and hung up. ( The call took place around XXXX EST ) I called the phone number back and heard that it was for Portfolio debt recovery, asked for a manager to make a complaint, and was denied because I refused to identify my personal information. I spoke to a total of 3 people in both calls.
Product: Debt collection

I had already made a payment arrangement with Hyundai motor finance got a confirmation number and spoke to them repeatedly but they continue to keep calling me when they already know they have a payment in the system in one day I get more than 5 calls from early in the morning to the late hours at night. My car is almost paid off but yet they keep calling me for a payment and they have a confirmation number too. This company has made this car payment harassment and say they will note my account and never do.
Product: Student loan

Mohela is servicing my loan. For some reason, when taking payments into account for debt forgiveness, they have neglected to include the years XXXX. I have been calling them since XXXX to get this remedied and I am always told by the customer service representative that they have no idea why those years weren't included and that they definitely should be included. They are not listed as eligible or ineligible payments, they are just missing years of my payments altogether. I have been told that the issue is under review and will be resolved in 5-10 business days. I have been told that for 5 months. I do not believe that they plan on remedying the situation at this point. I have called on XXXX separate occasions. In addition, I have been at the same job the entire time and have submitted paperwork to show that. If payments counted in the other years, there is no reason why they wouldn't count in those years as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters out to Experian, XXXX, and XXXX beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful.

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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 violates 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.
Product: Debt collection

On XX/XX/19, XXXX XXXX of XXXX XXXX XXXX ( XXXX-XXXXXXXX-XXXX ) left a message for my sister-in-law and said it was about me and it was about a debt collection. I called him back and told him that it is against the law to talk to any 3rd party about a debt. He refused to tell me what company he was collecting the debt for without me giving the last 4 digits of my social security number which I refused to do. Extremely rude and belligerent person. No sooner did I hang up that I received another call, this time from a local number, same company but a female. She told me what company was collecting the debt and I told her I had already disputed the debt with the company and that I had never received, nor used the card in question.
Product: Debt collection

I paid the original creditor, XXXX and XXXX XXXX in XX/XX/XXXX. I also started using a different service at that time for different reasons. XXXX  months later I received a bill for the same service, but for a different amount. I gathered proof and called their billing service on XX/XX/XXXX. They said it was a posting error and would correct it. They even said I had overpaid and that they had refunded my credit card on XX/XX/XXXX. Then they sent it to collections. Collection company wrote, offered me form letter, I responded by checking " this is not my debt ''. Then they started calling on XX/XX/XXXX, about once a week, but, I wasn't near my phone. I spoke with them on XX/XX/XXXX, told them the story. They asked for proof. I told them I had to redact my credit card statements and Explanations of Benefits. I asked for a mailing address. They responded that they would give me an email address after I called back and stated the redaction was complete. I want a paper trail. I.e. certified mail, return receipt requested. They have called daily since then, using 2 different numbers, but, my phone was not with me either time. 
I think they call themselves XXXX. XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted USBK Court Northern Georgia who says they don't report information to credit bureaus nor do they find any information regarding myself. I contacted Trans Union in regards to this information, but yet it still remains on my credit file inaccurately. I asked that it be removed on several occasions to no avail.
Product: Debt collection

XX/XX/2020 I sent a letter to Collection Bureau of America for validation of an alleged debt in the amount of {$2.00}, XXXX ( Please see attachment ). I never received a response nor anything notifying me of the debt. In addition, Collection Bureau of America failed to notify the Credit reporting Agencies that the account was being disputed by me as required under the Metro 2, and FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # 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 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting

Equifax is not releasing my report and score due to a fraud issue. I have called to verbally verify my identity and they stated it should be released which it is still not. This has been an ongoing issue for a while. I was told to go the the EF site and pull the report and I am still unable too. They refused to even mail me a copy.
Product: Payday loan, title loan, or personal loan

Well the account not closed they just took XXXX out of my account on XX/XX/XXXX