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

I have tried several times with XXXX and transunion to dispute a company called XXXX XXXX on my credit that says the account was opened XXXX-16 and now it's also reporting on my credit as XXXX XXXX XXXX. This is not my account nor have I ever heard of it. I did hire a credit repair Company, XXXX XXXX and this was taken off my report a few years ago and as I have been checking my credit the past 3 months this has appeared again. Transunion and XXXX can not verify this and will not take this off my Credit.
Product: Credit reporting or other personal consumer reports

This account to reporting inaccurately. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without yoir knowledge. This is aggravated identity theft according to the 18 U.S. Code 1028A. I have attached all my information for this request. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.
Product: Debt collection

XXXX / XXXX /2014   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
<P/>
You are required by federal law to provide me with verifiable proof on file of each account listed below. It is against the law to retain in my file, assemble, and sell a credit report containing unverified and invalid information. Your failure to positively verify the validity of the accounts listed below has hurt my ability to obtain credit. Under the FCRA you required to promptly DELETE NOW all unverified and invalid accounts, to avoid potential violations of FCRA 605.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Please verify and validate all data for each listed account, every notation, dates and balances, whether reported or not. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
<P/>
Name of Account : ALLIED COLLECTION SERVICES Thank You,   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX is showing as closed. Account is not closed. Account is active. Previously addressed with Transunion on XX/XX/XXXX and XX/XX/XXXX. Previous CFPB Complaint XXXX dated XX/XX/XXXX did not resolve issue. Information is still incorrect. I have attached copy of XXXX statement dated XX/XX/XXXX. showing account is open. I have included copy of credit report dated XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I ordered a wig from this company called XXXX hair and it arrived XX/XX/2022. I had other financial obligations that were much more important so when the XXXX XXXX arrived, I told them I refuse the package and ask if I could receive confirmation the package would be returned. The XXXX told me to take a picture, so I did. I found out it would be the same tracking number which was XXXX so I tracked it and it kept showing me that it was sitting in XXXX, AZ I knew that couldn't be right after more than two weeks. I had disputed it with PayPal Credit soon as I sent it back to make them aware. They removed it but then added it back like if I owe it. The seller XXXX hair is upset, the person I was communicating with tried to text me in XXXX, but the message disappeared, but she asks me to give her {$40.00} for shipping. This made me uncomfortable because no one ever asked me this. The seller was upset when I told her no. The seller knew that a case was opened with XXXX, and they provided another tracking number which is XXXX and case no. XXXX. I called PayPal credit and gave them this information and today when I called again, they didn't even have this information documented so I had to give it to them again. The account manager I spoke to XXXX who was pleasant advised me that they were closing it out again and I have all this proof, but they aren't trying to tell me where I can send it and they won't document it. My trust is gone with this company and others. This is through PayPal credit but the bank who has lended the credit is Synchrony Bank. I have never been told to contact Synchrony and they make it difficult who to handle this matter with, but I have reach out to both.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that XXXX  and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and XXXX XXXX XXXX  are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and XXXX XXXX XXXX  made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX   with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( XXXX, XXXX. ) ( XXXX XXXX XXXX XXXX XXXX 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 0:32 was untair an deceptive, as they did not E 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: Checking or savings account

I got a text from someone that looked exactly like a BOA text stting that my ckg acct had been compromised in XXXX and that someone was trying to charge 1200+ from my checking account. He said that I need to go into my checking account using XXXX to have the money restored. I asked him 2x if he worked for bank of America and he said yes twice an told me that I coui ld go online to ck his credentials. The XXXX was sent to my phone number ( I thought ) but I saw that money was being depleted from my ckg account. He told me that it will show up in my acct. He then sent another text saying that more money was being taken out of my acct. Finaly i hung up and called my bank who told me there was nothing they could do about it because using XXXX was like handing cash over to someone. I feel so stupid and violated. XXXX is on every banking platform, yet the banks offer no protection to its customers when fraud is perpetrated. Banks should either remove XXXX from their site, or at least cover THEIR CUSTOMERS when they are violated.
Product: Consumer Loan

My 2015 vehicle was totaled when I was on vacation to visit my brother in Colorado in XX/XX/XXXX. My best friend came along with me and was the driver of my vehicle. The complicated insurance process took quite a while as it was my friend driving my car, so expectedly, its was complicated. I was forced to move out of my home in the XXXX because I no longer had a car and I work in XXXX and the commute was impossible without a vehicle. So I had to completely change my life as a XXXX year old kid and get an apartment so I could maintain my job. Well, having that responsibility made it impossible for me to make the remaining car payments during the insurance process. Making car payments continuously on a car that was a total loss just was n't practical after having to change my whole way of living. My credit score has dropped dramatically after I have worked so hard to build it up at such a young age. It 's very disheartening to experience this because I am so young and my credit is vital at this point in my life. I hope that there is something that can be worked out.
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

And according to the fair credit reporting act 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 according to XXXX XXXX 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have attached the letter I have written for DISCOVER as well as the specific screenshot of the conversation between DISCOVER and myself. 

I mentioned this in my last complaint filed and provided the screenshots and DISCOVER chose to respond and not acknowledge that part. 

If DISCOVER would like to verify the validity of the conversation they I imagine have records of the conversation since it was via DISCOVER chat that this conversation occurred. 

I just want to say thank you very much to CFPB and to DISCOVER for being so kind and listening to my issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX TEXAS AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX OR XXXX XXXX XXXX
THANK YOU...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX filed a dispute with affirm. And they sent a message back saying that it will remain. 

XX/XX/XXXX filed dispute with prestige. They didnt have my permission to post on credit. Violating my consumer right to privacy. And they had no permission to repost my information. 

Lastly XXXX XXXX also had no permission to repost my information. Violating my comsumer right to privacy. I disputed This on XX/XX/XXXX 13
Product: Money transfer, virtual currency, or money service

I sending {$500.00} to nephew in XXXX Remitly charge me {$9.00} supposed to put into my nephew checking accent in XXXX XXXX that was in Friday XXXX XX/XX/2021 around XXXX XXXX  today is XXXX XX/XX/2021 I still waited deposit according Remitly speak w XXXX XXXX  and told the customer support the system doesnt work but for my surprise I already sending 3 different amount to that checking account one for {$60.00}, {$50.00} and {$85.00} dlares and he received in five minutes in that transaction no was problem so I call back Remitly and let know what going on the supervisor XXXX promise to call but still the company they dont know where are my transfer of the {$500.00} and with the promise will come back to me in hour .now in pacific time I still waited for answers my call and nothing happen.
Product: Credit card or prepaid card

The company XXXX is sending aaadvantage credit card offers to our XXXX year old son. I dont know how they got his name but if it was from an XXXX XXXX ticket he would have been listed as a lap infant or child. Why are they sending him credit card offers?
Product: Credit reporting or other personal consumer reports

There still remains a collection account and fraudulent inquiries on my credit report. Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in these unauthorized credit inquiries. Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. 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. 

XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Student loan

Subject : Data Breach Notification and Request for Resolution Dear US DEPT OF ED I am writing to inform you of a serious concern regarding a recent data breach involving my personal information. It has come to my attention that my sensitive data has been compromised as a result of inadequate security measures on your part.

I am extremely disappointed and concerned about this breach of trust, which has left my personal information vulnerable to misuse. As a consumer, I entrusted your company with my confidential data, and this breach has significantly affected my peace of mind and confidence in your services. 

To address this issue, I request the following actions : 1. An immediate investigation into the breach, including details of how and when it occurred.

2. Written confirmation of the personal information that was compromised.

3. Steps your company is taking to mitigate the impact of this breach and prevent future occurrences.

4. Complimentary credit monitoring services for at least 12 months.

5. A direct point of contact at your company to address any further concerns or questions. 

Please consider this letter a formal complaint and request for resolution. I expect a prompt response within 30 days. 

Thank you for your immediate attention to this matter. I look forward to your swift and thorough response. 

Sincerely, XXXX
Product: Debt collection

I was alerted by the credit bureau that this account was turned over to collections. I had no knowledge of it
Product: Credit card

Attempted to close Citi/XXXX XXXX account and was unable to.
Product: Payday loan, title loan, personal loan, or advance loan

Been a loyal customer with BreadPay for a couple years, they helped me get some furniture pieces for my beautiful wife. I do appreciate them. Now due to financial hardships, I was unable to manage my payments with Breadpay towards the end of my three loans with them. I became swamped and I told them that over the phone but there were not willing to work around. Instead, they are harassing me with phone calls and text messages about the outstanding debt. I understand they are trying to obtain it but it has been nonstop, every single day I'm at work. They call with a new number every single day after I block them for harassment. Please can we solve this, thank you!
Product: Vehicle loan or lease

A previous complaint was closed on XX/XX/year> that took XXXX days for a response and I am reopening on XX/XX/year> in which Exeter didnt thoroughly explain or provide documentation of how they came up with the balance owed from a repossession after Ive pointed XXXX discrepancies. I have previously made XXXX complaints about it. The issue is they are trying to collect more than what is owed and consistently reporting saying that it is accurate but None of the paperwork for proof adds up. Therefore since Exeter is rejecting to remove this negative tradeline after reporting false information, I have took amongst myself and is considering legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law grants consumers the right to dispute inaccurate information in their credit reports and requires credit reporting agencies to conduct a reasonable investigation. 

Due to the recent data breach at XXXX, I am particularly concerned about the accuracy of my credit report. Recently, XXXX announced that its systems had been breached, exposing the sensitive personal data of XXXX XXXX Americans. This breach included names, home addresses, phone numbers, dates of birth, Social Security numbers, and driver 's license numbers. Additionally, the credit card numbers of approximately XXXX consumers were compromised. Given the unprecedented scope and severity of this incident, it is crucial that my credit report reflects accurate information. 

I previously attempted to resolve this issue, but it remains unaddressed. I request that you investigate the following accounts listed on my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I believe that this information may be inaccurate due to the data breach and request that it be deleted from my credit report if it can not be verified as accurate. Please provide me with a copy of your findings and any documentation regarding your investigation. 

As a consumer, I have the right to dispute any inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the statutory 30-day period.