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

Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following items off my credit report/file : Account # XXXX XXXX XXXX XXXX ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS. I have previously submitted disputes with Equifax along with the necessary FTC and law enforcement reports necessary to block these items from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other Consumer Reporting Agencies have completed their investigations and have removed these items which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.
Product: Credit reporting

Experian and XXXX data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX  on XXXXXXXX XXXX XXXX on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX Card back in XX/XX/XXXX, I requested that the card be closed due to the interest being so high and to send me a final bill. I received a final bill in XX/XX/XXXX for {$900.00} I phone XXXX XXXX and spoke to XXXX  to let her know there was a discrepancy in the amount owed. In XX/XX/XXXX I made a pmt of {$75.00} money order XXXX  on XX/XX/XXXX a payment of {$75.00} was made conf # XXXX  it was then determined the correct balance owed was {$570.00} and I received a revised bill with the correct amount. On XX/XX/XXXXa payment of {$400.00} was made conf # XXXX on XX/XX/XXXX a final payment of {$170.00} was made conf # XXXX that would be the final payment. InXX/XX/XXXX I received a collection letter from XXXX XXXX XXXX for this account collecting {$900.00} I phoned them immediately to get this all corrected. I spoke to a XXXX  and he said he would verify the account and if it was an error he would have XXXX XXXX correct the account and fix my credit report. Late XX/XX/XXXX I received a letter from the collection agency and XXXX XXXX showing there was a XXXX balance and that my credit report would be corrected. As of today my credit report still has not been corrected and is still showing all these late payments and shows as a charge off. I am asking that the lates be removed and it reflects as a paid account and close at customer request.
Product: Debt collection

I became XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX XXXX XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX XXXX until XXXX, XXXX, when XXXX XXXX XXXX cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX acquired homeowner 's insurance for the house from State Farm Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, XXXX XXXX XXXX sold the mortgage to XXXX, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that State Farm Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that State Farm Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with State Farm Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to State Farm Bank on the altered bankruptcy record for XXXX Attorneys at Law for State Farm Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a State Farm Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which XXXX XXXX XXXX has sold to XXXX. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an XXXX to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against XXXX and XXXX. These complaints joint the XXXX already filed against XXXX XXXX and XXXX XXXX XXXX. XXXX other note is that, when I asked XXXX XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against State Farm Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

IC Systems is trying to collect a debt from XXXX XXXX for a service that was canceled 4+ years ago. This was paid when we switched our services, and they were in the process of merging with XXXX XXXX XXXX. The collection was placed last year under XXXX XXXX XXXX. I disputed it with XXXX and it was removed from my credit report. They reported it again this year under XXXX XXXX with a slightly lower amount. I have disputed XXXX with XXXX, with proof that they deleted it last year, and reported again this year, and XXXX will not remove. This is an unfair practice, as they can not just reduce a non existent debt and under XXXX different company names.
Product: Credit reporting or other personal consumer reports

My information and credit record has been used in fraud and used by reporting agencies without my consent. I never gave the written approval and therefore fraud took place.
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 tomtake 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 undr 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 reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over one month ago, I filed two disoutes regarding many things on their report which my auto insurance co. pays them for. I asked them to correct them and send the corrected report to my insurance co. To date, they have not responded. So I must presume that they have not corrected anything or aent an imoroved report, as per my request.

Meanshile, I am paying far too much for automobile insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my Experian credit report on ( XX/XX/XXXX ) XXXX, XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my XXXX credit report on ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Product: Debt collection

This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4XX/XX/XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Product: Credit reporting

Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights. This happens every year.
Product: Credit reporting

There is an open collection 's debt. This debt has been settled in full. The creditor informed me this debt would be reported to all XXXX credit reporting agencies and removed from my credit report. It is still there.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credict report that I did not submit.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. These inaccuracies are adversely affecting my overall credit standing and have a significant impact on my credit score. 
I recently obtained a copy of my credit report from your bureau and discovered several accounts that are inaccurately reported due to fraudulent activities. The presence of these fraudulent accounts is unjustly damaging my creditworthiness, and I am seeking a resolution to rectify this situation. 
Below are the details of the disputed fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These fraudulent accounts have a direct and negative impact on my overall credit score, making it difficult for me to secure favorable terms on loans or credit. I believe that, according to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of inaccurate information from my credit report. 
I kindly request a thorough investigation into this matter and the prompt removal of the disputed fraudulent accounts from my credit report. I understand that, under the FCRA, you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.
Product: Money transfer, virtual currency, or money service

I received {$300.00} from a friend for a face mask on XX/XX/2023 on Venmo. I have been using Venmo for over 4 years and have plenty of large transactions on the app. Right after, I tried to transfer the {$300.00} to my bank account and my debit card ( the fast way ) but both failed. Not until the 5th try with my debit that I received a notification that my account was frozen. I reached out to chat service and they said that I will be reached out to in 5-7 days and WILL BE ABLE TO GAIN ACCESS AFTER GIVING THEM INFORMATION. However, I received a ridiculously curt email stating that As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. NO EXPLANATIONS!! its ridiculous that this happens after Ive been a long time user and conveniently when they could hold {$300.00} ( how is that legal- that is rightfully MY MONEY- my friend will chargeback if must ) to earn interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, TransUnion, and XXXX XXXX XXXX ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

Your Account Dispute has been updated. 
The incorrect account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX This account was added back after it has been proven paid in full, they removed it as a collection account But same day added it to my credit profile as an account with a debt owed
Product: Student loan

Sallie Mae harrasses people to no end. I have paid my student loan in full and yet they have continued to call me and my cosigner. I was a few days late, but I paid my entire XXXX bill instead of the minimum. They have continued to call every hour on the hour today. I have had 5 calls since I paid. I have called and they say there is nothing they can do. They need to update their systems so that after you pay you stop getting calls from them. This is harassment of my cosigner and I and I am considering a lawsuit.
Product: Bank account or service

We have had the XXXX XXXX XXXX through Bank of America for the past 14 years. We thought this program was protecting all of our listed cards from fraud and identity theft. We resently had serveral fraudulant charges on our checking account also with Bank of America and were not notified in any way. I had to notify the bank of the fraud. When speaking to a BofA rep from their fraud department, I was informed I did not need this service as my account was automatically protected. 

Two years prior, I tried to cancel this service and was pressured not to cancel as I needed this type of service and protection. 

I feel that this is a bogus service that I have paid XXXX per month for the past 14 years and only recently realized this service does not do anything I expected or thought I signed on for. I expressed these concerns to BofA and was allowed to cancel, today, but no apologies, concerns or help on getting any amount refunded. 

I am thankful that I caught the misuse on my account before it was completely drained.
Product: Payday loan, title loan, personal loan, or advance loan

Im not for sure if the day but I think I was sue and never gotten a court paper on it so I'm afraid that I will be arrested and I want to see what to do in order to keep myself out of jail. I do have a job and I don't want to lose it or anything else.
Product: Credit reporting or other personal consumer reports

Special Good Afternoon, I sent the attached letters to all three credit bureaus showing the inaccuracies between the three of them. As FCRA says i have a right to a fully accurate credit profile, I requested the accounts attached be deleted from my credit profile. Additionally, I requested a letter of validation with my WET SIGNATURE on the documents. I additionally received documents which did not contain them. Finally, I also requested information showing they are legally allowed to collect debt in the state I reside. I also did not receive this information as well. This letter was sent on XX/XX/year>. My follow up letters were sent XX/XX/year>
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Ive attached my Cashapp profile and the email from Cashapp support showing they wouldnt return a fraudulent transaction of {$300.00} made on my account on XX/XX/year>.