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

I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX  XXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX 

Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. 

Provide documentation that links me to the debt, such as original signed agreements or contracts. 

Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully.

Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges.

Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt.

Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws.

Account Resolution or Settlements : Confirm that no payments or settlements have been misapplied or omitted from the reporting.

Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and there are inaccuracies on my credit reports. I have filed numerous FTC and IRS affidavits due to my information being used fraudulently. Experian, XXXX, and XXXX are violating my rights by furnishing this data on my consumer reports. 
In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give Experian, XXXX or XXXX written consent to report the inaccuracies that are currently on my credit report. 

Also in accordance to the FCRA, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

Lastly 15 U.S. Code 1681c-2- Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Credit reporting or other personal consumer reports

please delete all the fradualent accounts and unathorized inquiries listed below this is incorrect and wrong reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The rudest, most unprofessional people I have ever dealt with in my life. They call me about a bill from 2 years ago that 1 ) I never even received 2 ) Was settled in FULL. After confirming with the hospital and insurance that it was paid in full, this collection company says I still owe them money when I do not! And had the audacity to report it to the credit bureau! They say I still have to pay them, complete thieves.
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 ( CFAPA ). 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have appeared on my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or consent. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts blocked and removed from my credit report. Below are the details of the fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX mail sent to Experian XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers 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. - Experian refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account. 

I advised Experian of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Experian did not complete a thorough investigation. Experian allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Experian has violated The Fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.
Product: Debt collection

AMERICAN FIRST FINANCE XXXX  XXXX  TX XXXX    THEY ARE REPORTING TRANSUNION INACURATE INFORMATION.
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 Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( 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. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX XXXX  Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX XXXX. Despite my efforts to address and resolve this matter, XXXX XXXX  has failed to provide verifiable evidence supporting the reported late payments, leaving me with incorrect and harmful information on my credit report. 

I initiated a formal dispute with XXXX XXXX  and requested a thorough investigation of the late payments being reported. However, during phone conversations with their representatives, I was informed that they are unable to verify the accuracy of the reported late payments. XXXX XXXX admitted that their only available records are limited to bank statements, and they do not have the necessary resources to conduct a proper investigation. This failure to verify the accuracy of the reported information is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, any information that can not be verified must be promptly removed from my credit report. Despite their inability to verify the information, XXXX XXXX  continues to furnish incorrect data to the credit reporting agencies. This has caused significant harm to my financial standing and has severely impacted my ability to : Obtain a job, including certain federal positions that require stringent background checks. 
Purchase a home to provide a stable living environment for my family. 
Access future credit opportunities to rebuild my financial health. 

As a professional working with XXXX XXXX and XXXX XXXX and a dedicated provider for my wife and young daughter, I take my financial responsibilities seriously. The continued inaccuracies on my credit report hinder my ability to build a stable future for my family and achieve my career aspirations, including my upcoming training at the XXXXXXXX XXXX in XX/XX/year>. 

I am requesting the CFPB to take the following actions regarding XXXX XXXX  : XXXX. Investigate XXXX XXXX failure to properly investigate my dispute and verify the reported information. 
XXXX. Require XXXX XXXX  to provide verifiable evidence supporting the reported late payments or remove all unverifiable information from my credit report. 
XXXX. Ensure compliance with FCRA standards to protect consumers like me from the consequences of unverified and inaccurate reporting. 

Enclosed, I have included copies of my written dispute, correspondence with XXXX XXXX, and any supporting documentation. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure that my rights as a consumer are upheld and this matter is resolved fairly and promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent received my XXXX statement from XXXX XXXX XXXX  at all and the balance is still {$860.00} and I would need this be updated on my credit reports ASAP I normally received my statements every XXXX of the month and my XXXX XXXX is bad due to the high balance on my credit XXXX XXXX XXXX. And the balance should be around {$32.00} its missing the XX/XX/2021 payment history
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested that information on my credit report be removed due to fraud. I provided a FTC document. I explained the incorrect data was due ot a data breach. I has impacted my ability to get work. They responded with in XXXX hours that it was factual. I called ot determine how they came to this decision and then woman told me I could refile a new dispute.
Product: Checking or savings account

During my aqua period my debit card was used, upon finding out I reached out to several people in the bank and notified them of the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXXXXXX XXXX XXXX Acc # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States l 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 account without my written instructions.
Product: Student loan

The issue at hand is one of timely response of the lender to borrowers inquiry. A response from the lender is still outstanding as of this complaint submission. In summary, the borrower began graduate studies during the autumn of XX/XX/XXXX. The enrollment triggered a deferment effective XX/XX/XXXX on borrowers student loans which were secured to fund XXXX education. Borrower contacted servicer on XX/XX/XXXX to request removal of deferment in order to continue progress towards the 120 qualified payments required for Public Service Loan Forgiveness. Borrower continued to submit full and timely monthly loan payments. Deferment was removed with retro effective date XX/XX/XXXX and loans were returned to repayment status. Borrower then submitted an Employment Certification Form on XX/XX/XXXX to ensure continued compliance with XXXX guidelines and accuracy of qualified payment tracking. Servicer responded on XX/XX/XXXX certifying 7 payments for the period XX/XX/XXXX XX/XX/XXXX. Borrower believes the correct number of qualified payments to be 11 for the period XX/XX/XXXX - XX/XX/XXXX, and that the payments shown in Table 1 were excluded as qualified payments. Borrower contacted Servicer on XX/XX/XXXX to initiate review of the 4 payments shown in Table 1 and was told to allow 90 days in order for the completion of the review.

Per page 37 of the document titled CFPB XXXX XXXX XXXX XXXX, the servicer must respond to borrower inquiries within a reasonable time period which is further specified to be within 30 days. The servicer has not responded in over 90 days to an inquiry involving a recent time period, a small number of payments, and limited analysis of policy and procedures. Further, the borrower contacted the servicer on XX/XX/XXXX to check status on the review and to inform the servicer that a response was expected within 90 days of XX/XX/XXXX. The borrower requests the assistance of the Consumer Financial Protection Bureau towards a response from the servicer. 

Table 1 : Payments in Question Date of Payment - Amount - Due Date of Payment - Number of Days from Due Date to Date of Payment XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 13 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 6 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 2 XX/XX/XXXX - $ XXXX - XX/XX/XXXX - 0 *New payment amount based on Income-Driven Repayment plan recertification Table 2 : Criteria for Qualifying Payments A payment is considered as qualified if it is made : After XX/XX/XXXX While employed full-time at a qualifying employer Under a qualifying repayment plan On-time ( no later than 15 days after the scheduled due date ) Each month, satisfying the installment amount due for that month in full When the loan is being actively billed, and is not in a default status
Product: Debt collection

This debt collector calls repeatedly, 2-4 times per day including both weekend days, sometimes leaving automated messages. I last answered a call from them on XXXX, during which I informed them up front that I was aware of the state of my account and did not know when I would be able to pay the bill ; I was pushed no fewer than XXXX times to agree that I would have it paid by a certain, arbitrary date so that the caller could leave a note on my account to that effect, which I would then be held to, despite my repeated insistence that I was not certain I could pay by that date. The caller eventually put the note on my account despite my protests. The repeated calls are intrusive and stressful.
Product: Money transfer, virtual currency, or money service

XX/XX/year> this is the message I sent. 


I hope this message finds you well. I am writing to bring to your attention a concerning issue regarding unauthorized charges made on my XXXX XXXX account for the past two months. I kindly request your assistance in resolving this matter and refunding the total amount of {$2200.00}. 

First and foremost, I would like to provide some context regarding the circumstances surrounding these charges. My son is a XXXX XXXX child who possesses remarkable intelligence. At the age of XXXX, he has acquired the ability to program his fingerprint into my phone, enabling him to make purchases without my knowledge or consent. As a single mother, it is already challenging to manage our finances, and these unexpected charges have put an immense strain on our financial situation. 

Upon reviewing my account, I discovered numerous charges totaling over {$2000.00} that I did not authorize or purchase on behalf of my son. Given his condition, he lacks the understanding of the consequences associated with such actions. I genuinely believe that this is a result of his curiosity and not an intentional act of mischief. Therefore, I kindly request your understanding and cooperation in rectifying this issue. 

I have followed the guidelines provided by XXXX XXXX and reached out to you directly, as they have advised. I sincerely hope that cash app will assist me in resolving this matter promptly and arranging for the refund of the aforementioned charges. Your understanding and support would significantly alleviate the burden I currently face as a single mother, allowing me to provide the necessary care and support for my son without the additional financial strain. 

Should you require any further documentation or information, please do not hesitate to let me know. I would be more than willing to provide any additional evidence necessary to support my case. 

I genuinely appreciate your attention to this matter and eagerly await your prompt response. I trust that cash app will handle this situation with the compassion and understanding it deserves. Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to cancel my transunion credit reporting subscription multiple times. The only way to cancel is to call, but when I call their 1-800 number ( as listed on the website ), they say " Please try again later. '' They are continuing to charge me each month and there is no way to cancel. 

Finally, I was able to reach them by phone, but I had to choose the 'french ' option. Luckily the french-speaking agent also spoke english and we were able to cancel. 

By then, I had already paid an extra month. 

IF YOU ARE A MEMBER OF THE PUBLIC READING THIS : Avoid transunion at all costs. If you HAVE to subscribe, use a burner/one-time credit card.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies ( XXXX, Experian and XXXX ) has violated 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, EXPERIAN OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

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