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

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

Accounts to be Blocked : XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXXXXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) Inquiries to be Blocked : XXXX. ( XXXX, Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXX XXXX Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX  Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX ) XXXX. XXXX XXXX Date : XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation
Product: Debt collection

XX/XX/XXXX. Theft and subsequent cancelled card. I continued to pay credit card to my initial creditor. Received letter from lawyer but unaware debt was sold as I continued payments.Disputed account with multiple debtors/collections agencies.Many different companies sending info threatening legal action. My disputes denied despite requests about initial debtor. Legal intimidation re liens and tax garnishment and confusion regarding debtor. No warning paycheck garnishment XX/XX/XXXX from a lawyer, not creditor, effective XX/XX/XXXX. 
The confusion, legal intimidation regarding property liens and tax returns, different creditors then initial and current lawyer involvement not clear to actual account and lack of response to various disputes. 
Currently garnishing wages for inaccurate amount.showing creditor as lawyer. Every dispute denied, then different collection company or lawyer shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute Account Name XXXX XXXX  with XXXX XXXX XXXX XXXX and EXPERIAN for over a year of back and forth disputes to remove this off my credit report. This has cause so much frustration and stress especially over the pandemic and I am now ready to take legal action as I have the evidence to prove that the credit bureau are doing nothing to help remove this collection that does not belong to me off my credit. 

I previously requested that you provide original contracts for the items that I previously disputed that are listed above. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount I asked full validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. I asked for this back in XXXX and you still have not provided this information which I was going to use in court. Now this this affected me finding a place to live I am going to everything I can to ensure this is fixed even if I have to take the above credit bureau mentioned. I will again include the signatures of the people involved in the initial cases. 

I request and demand once again with the CFPB that this account is removed off my credit report. 

you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 

I am under a lot of stress dealing with this for so many months. I ask that you please review my case carefully and understand that I am looking for a resolution where this account is deleted.
Product: Debt collection

The incorrect items listed below still appear on my credit report. I would like these items immediately re-investigated and for good cause. XXXX XXXX XXXX Account number : XXXX. These inaccuracies are highly injurious to my credit rating. Inaccuracies of the date open of the account. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. XXXX. The date you contacted the individual funishers of information. XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Product: Mortgage

Arvest indicated that they mailed a check for {$8600.00} from escrow to pay the annual property taxes. They indicated that the check was sent to our home address. The check was never received. We requested a new check to be made out to the property owners instead of the XXXX XXXX XXXXXXXX since we had to pay the taxes out of our checking account. 

We contacted Arvest customer service in XXXX and then again on XX/XX/year> requesting a new check be reissued assuming that one was ever issued since it was never received. We have contacted Arvest again today requesting a check.
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, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account very very vulnerable and unprotected which it should be. 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 final loss, and i seek APPROPRIATE redress for these violations thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to bring something to the attention of this bureau regarding the three credit agencies. On a side note, when you speak to someone on the phone is completely useless. They are often rude and uninformed on the rules that govern their industry. Now to the matter at hand, I have provided three images below, one reads credit usage which shows at 6 %. I have been paying down debt in the last few months and my score went up rather nicely. A few weeks ago I began paying a card that I was sending minimum payments. I noticed something curious. Because I paid 60 % of what I owed on the card. Which puts the card at 41 % my credit dropped 25 points. Now, as long as I was sending minimum payments it was not an issue. So am I to understand that despite 97 % of my cards having XXXX balance, the credit bureaus calculate the score per card when it suits them or take into account all your cards when you carry debt. In essence, wanting you to be in debt all the time. Because from what I notice if I had not made a large payment to that one card it would not have triggered a recalculation. I also provided images of the subsequent drop of 58 points because of the credit card balance. Which has been paid off already by the way.
Product: Mortgage

Green Tree Servicing LLC has been charge me for PMI insurance months after months, although my principal balance felt below 80 % of the original loan. Not 20 %, My principal balance felt 80 %, Green Tree Still Charge me for PMI. I made many requests to Green Tree to drop my PMI. Green Tree Refused to accept my appraisal. Green Tree told me it needs my authorization for an appraisal, I told Green Tree, it does n't need my authorization, if am paying for the appraisal fee, I should choose my own appraiser. I asked Green Tree Why I can not choose my own appraiser? I did not get a response back. And it still charge me PMI fee every month.
Product: Checking or savings account

The bank is charging me for a bank error they made by changing my bill pay payee after I sent payment. They changed the vendor name and address to an incorrect payee. When notified about it they responded quoting their bill pay agreement : On page 9, section B ( i ), titled Description of Services it states, By providing us with the names and account information of those Payees to whom you wish us to direct payment, you authorize us to follow the Instructions that we receive through Bill Payments. You further authorize us to update or change any of your Payee information ( including but not limited to changes to account information, Payee name and mailing address ) as requested or provided by your Payee, the U.S. Post Office or pursuant to any updates or changes through other tools and resources we may use from time to time to effectuate the Bill Payment. 
The issue is that the Payee did NOT request the change, the US Post Office did NOT request the change and the bank will not provide me with any information as to why the change was made. They also ignored my first notarized affidavit and have required me to fill out another one and send it in. In the meantime I have had to pay the vendor bill twice and am out my money.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX reported a late payment to the credit bureau which caused my credit to drop tremendously! When I contacted them about my concern I informed them that the payment available updated and was available for me to use so Im not sure why it was reported late. When I made my payment on the correct date and it was returned to my card. I have tried to reason with the company and have made no progress once so ever!
Product: Debt collection

Further Request to Cease Collection Efforts and Remove Debt from Credit Reports. 

This is in response to your recent communication regarding the debt you allege I owe. After reviewing your response and the supporting documents, I have significant concerns about your compliance with federal laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that your continued attempts to collect this debt and report it to the credit bureaus may violate both of these laws. Here are the specific issues : 1. Debt Validation Not Sufficient Under the FDCPA, 15 U.S.C. 1692g, you are required to provide competent validation of the debt. The documents provided in your response do not adequately demonstrate my legal obligation to pay Columbia Debt Recovery. Specifically, the validation lacks key elements, such as a written contract or agreement directly between myself and Columbia Debt Recovery or the original creditor. Therefore, you have not established the legal right to collect this debt. 2. Violation of the Fair Credit Reporting Act ( FCRA ) If you are continuing to report this debt to the credit bureaus without proper validation, this may constitute a violation of the FCRA. Reporting unverifiable information to the credit bureaus can be considered illegal under this act, and I request that any negative reporting associated with this alleged debt be immediately removed from my credit reports. 3. Cease Collection Requests I have previously requested that all collection activity related to this alleged debt cease until proper validation is provided. Despite this, you continue to engage in collection activity, which is in direct violation of my rights under the FDCPA. I demand that you cease all collection efforts immediately
Product: Debt collection

A collection agency started to call. They pressured that my account was up for review and that I will be sued if I did not make a payment. The company has refused to work with what is within my means of living. I was recently homeless, trying to obtain healthy living standards. I offered them a deal. They refused. I can not pay full balance as it was an eviction and in the upwards of a few thousand dollars. I am XXXX years of age and a student. When they call, it is in snarky tone and condescending. I did not stay at the complex for 8 months. After the fact they want to charge for 8 months rent and bonuses. That is why I offered them a lower % back because the complex had the opportunity to fill the vacant spot. As this was happening the complex sold itself to another financial institution. Causing new management, not being able to obtain old records with approximate balances that were updated and account information. Causing the new collection agency to collect on debt that is wrongful. Along with their obscene behavior. Plus threats to take action that were never taken should be adequate enough to where this account is dismissed. The original creditor has sold the account. Thus leading the collection agency not owning the original debt as well with no proof of transactions. I also have no received anything in mail by the agency after I disputed the information they provided and they continue to call back without verifying the information.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts on my credit report this morningit completely caught me off guard. Ive always checked my credit report without issues, but this time, the discrepancies were baffling. I even refreshed my browser multiple times, hoping it was just a technical error, but the accounts stayed there. Im asking that the documents Ive submitted be reviewed in detail to ensure Ill never have to deal with something like this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the CFPB concerning several inaccurate items that have been reported on my credit report. I regularly monitor my credit history to ensure its accuracy and upon reviewing my credit report recently, I discovered erroneous information that is negatively affecting my creditworthiness. Please see the attached form with the accounts in question. In an effort to rectify these errors, I have already initiated the dispute process with the credit reporting agencies and creditors. The attached forms were also sent to these parties. However, the resolution has been slow, and the credit reporting agencies have not responded adequately to my concerns, leading to further frustration. 

Therefore, I kindly request the CFPB 's intervention to thoroughly investigate this matter and ensure the prompt and accurate correction of the inaccuracies on my credit report. Enclosed with this letter are copies of my credit report, clearly highlighting the inaccurate items. I trust that this documentation will aid in your investigation and resolution of this complaint.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX card went into debt due to natural disasters like Covid 19 i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my XXXX store credit card off in a settlement in XXXX and they promise me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And XXXX doesnt do business with the debt XXXX no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I got approved for a new XXXX card account and would like the old account removed because its paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to transunion on multiple occasions explaining there are inquiries on my report that I dont recognize nor gave permission to any of those particular creditors to access my file. I have been told by transunion that I have to wait until the XXXX yr mark to have them removed when in fact I explained they were unauthorized and violates my consumer rights. I wrote multiple letters, Ive called as well and they keep refusing to take care of my situation
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and fraud as well as mail theft and fraud I have had {$4.00} stolen from my bank I will come back with everything else on a different report it seems we are to enter separate reports?

I have unauthorized credit cards that have been opened in my name and used fraudulently without my knowledge and are now deported on my credit reports Im asking to have every single one removed please. I want my identity BACK Im having a very hard time fighting with cybercrime and need major assistance with cybersecurity. I have recovered all resources to gain records of all information included as follows. I have filed a police report and have my claim started with my insurance adjuster a
t XXXX Police report # XXXX Resurgent has my debit now the XXXX I spoke to a XXXX she had stated to just fax anything to her at XXXX she would wipe clean and off my credit report all of these fraudulent charges I dont have the dates unfortunately and neither did she I dont have account numbers for the others as well This is still being reported can we please get this resolved and off my credit ASAP XXXX XXXX XXXX XXXX {$470.00} acct XXXX Spoke with XXXX she said she would add fraud and needs confirmation that this was turned in as fraudulent activity and reported with you and need this confirmed and something sent out to XXXX and will remove from my credit report she did add a 7 year fraud Alert XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} This is listed twice on my XXXX report XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX LVNV Funding LLC XXXX {$900.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the removal of incorrect accounts from my credit report. Could you verify the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Checking or savings account

Money stolen from my checking account. 

Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Regions bank in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I have no idea what this is )
Product: Vehicle loan or lease

My sister asked me to co sign a vehicle for her. She and the Car dealership had me sign in the Owner portion of the loan instead for a specific vehicle. When I left for sea with my ship, my sister went back to the dealer with my father and had the vehicle swapped. When I came back and realized this it was already too late to change anything. She is not paying the bills on time, still owes the state of Virginia registration fees that has not been satisfied in over a year. I called Ally Financial multiple times explained the situation and asked them to repossess the vehicle because I no loner want it and they refused to do so. They keep telling me that she needs to agree to the repossession. I told them the address where the car is located and I also give them her contact info. The vehicle is parking with no insurancing or a current registration. I do n't want to be lliable for the vehicle as I am still the primary owner of the car. I want them to reposses it. I already give them the location of the vehicle multiple times and they still have n't picked it up.
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. 
( b ) Accuracy of report 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. 
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 shall promptly delete that item of information from the consumer 's file 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. 
Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged : XXXX FIN - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX CAP XXXX NA - XXXX XXXX XXXX XXXX  - XXXX I am writing to bring to your attention my knowledge regarding your unlawful practices involving the distribution of standardized letters as responses to consumer disputes and challenges, without considering the specific details provided by each individual. Such actions are in direct contravention of the provisions outlined in 15 U.S. Code 5 1681i, which explicitly mandates that every dispute and challenge must be treated independently and evaluated on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Therefore, failure to process these letters would represent a violation of my rights as a consumer. Regrettably, I must view such non-compliance as a deliberate disregard for my rights, leading me to seek legal recourse by engaging the services of a lawyer. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. 

My First and Last name is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- XXXX/XXXX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs, I had signed up too clearscore and I want to update my information on Equifax and when I had telephoned the company they took my visa debit card number and said they can update my credit report for 5. Which I did, they told me too update my credit report I need too log in too my email address XXXX. 

They said they had sent a link and they where very aggressive too me that I did not received another email with the link too log back into my Equifax report. 

I could not ring back the 3rd time as I did not receive the email at XXXX too update my Equifax report what can I do? 

Yours sincerely XXXX XXXX XXXX XXXX