23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jh portfolio sold a account to XXXX XXXX for XXXX and XXXX XXXX this fraudulent account needs to be remove from my credit report I never had a account from XXXX XXXX and this is fraudulent
Product: Credit reporting or other personal consumer reports

I am writing to dispute the XXXX XXXX XXXX account listed above. Your company has been reporting inaccurate and incomplete accounts on my consumer report. The Fair Credit Reporting Act ( FCRA ), pursuant 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Your company is violating 15 U.S.C 1681 and violating the FCRA for not properly verifying the accuracy of accounts listed on above.

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX XXXX Transunion, XXXX XXXX XXXX, and XXXX XXXX XXXX, the courts all ruled that the consumer reporting agencies could not just use XXXX XXXX as a proper verification process, furthermore, they must do a reasonable investigation and comply with the FCRA laws. 

Each account that I dispute must be investigated using the procedures from 15 USC 1681 ( a ( ) e ). I request proof showing me you followed these compliance procedures pursuant 15 USC 1681 ( a ) ( e ) .Pursuant 15 U.S. Code 1681a personal interviews must be conducted with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( a ), I have notified TransUnion numerous times showing the inaccurate items being furnished. My consumer report should be 100 % accurate. The term accurate means free of error. If something is not accurate on my consumer report, I have the write to challenge it and get it removed. 

The date open is reporting different on TransUnion and XXXX. How is this information accurate when it has two different dates the account was opened. 
The date of last activity is also reporting inaccurately on TransUnion and XXXX. 
My payment history is inaccurate. How can I be 60 days late in XX/XX/year>, but my payment was on time in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Product: Debt collection

Credit Collection Service for the amount of {$340.00} started reporting a collection account on XXXX. The original creditor name XXXX XXXX. These companies are reporting an inaccurate account to my XXXX credit file. I contacted XXXX in regard to rectifying the account they stated they have no control over the account and can not send me the information used to validate the debt. This Is very frustrating i never had an account with XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my frustration and disappointment with the service I have received from Vital Records Service of America. 

On XX/XX/2024, I purchased my son 's birth certificate for {$30.00}, with the confirmation number XXXX. Since that time, I have encountered nothing but delays and poor service. I have called your customer service numerous times seeking a refund, only to be repeatedly told, " It's a delay! '' This lack of clear communication and resolution has left me feeling frustrated and helpless. 

Due to the ongoing issues with your service, I was forced to purchase another copy of my son 's birth certificate from VitalChek, as I could not wait any longer for a resolution. This situation has not only caused me unnecessary stress but has also resulted in an additional expense. 

I feel robbed by this experience and am deeply disappointed with the lack of professionalism and accountability from your company. I kindly request that my refund of {$30.00} be processed immediately, as I have not received the service I paid for. 

Thank you for your prompt attention to this matter. I hope to hear back from you soon with a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I had transunion for 2 years and there was XXXX time I went to the bank to get a credit card. I had looked up my credit score on transunion they said it was in the XXXX range so I went and applied for a credit card. Bank calls me back and tells me that my score is a XXXX which is too low for them but more alarming is that the difference of XXXX points and now because of that I have a bad hit on my credit for getting denied. Complained to transunion they said they could n't and would n't do anything about it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Vehicle loan or lease

violation of 15 U.S. Code 1605 ( a ) ( 5 ) on the date of XXXX XXXX XXXX  violation of 15 U.S. Code 1662 ( 2 ) on the date of XX/XX/2023 violation of Texas Title 4 Subtitle A Chapter 302 ( b ) on the date of XX/XX/2023 i sent a affidavit, and a cease and desist letter via certified mail.
Product: Credit reporting or other personal consumer reports

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this XXXX account back to my Transunion report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Transunion credit bureau was dated XXXX XXXX XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

To whom it may concern, I have been having financial problems with keeping up with my bills. I have asked my mortgage provider for help. It 's very confusing with their response. One they said I ca n't get help because I made more then my bills. Then I reapplied. They said I should of not been behind on my mortgage and they ca n't help because I should of not falling behind and if your not behind on your mortgage we ca n't help you. But, yet they state on their web site to call as soon as your not able to make your payment, and you do n't have to be behind. Allot of things these days you have to pay up front. So when I catch up to XXXX bills I 'm already falling behind on another. My hardship is going through divorce and loss of XXXX income. But they still say I do n't have a hardship. They have allowed me to make a repayment program, which I 'm very thankful because I really want to make everything possible to keep this home. So now my income is {$4900.00}. I have bills of {$5200.00}. And now they also have jumped my monthly bill for mortgage from {$1200.00} to {$1700.00} which my bills would be around {$5600.00} ( with new calculation ) and they still refuse to help.
Product: Debt collection

On XX/XX/XXXX at XXXX EST. XXXX XXXX called me and said that they have my Social Security number and read it back to me. Then read my Drivers Liecense number back to me. 
Told me I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX which I told them I never took out that loan. They told me I did and they have proof from a bank I do not have an account with that was not even a bank in XXXX ( XXXX bank sold out to XXXX and XXXX in XXXX ). Then said I worked XXXX XXXX XXXX winery which I have not worked there since XXXX. 
I told them that I filed this as a identity problem with another collection agency. They hung up on me and said they will file a lawsuit. 
I called back and asked for an address and was hung up on after being told they are in XXXX Georgia. 

XXXX XXXX loans is supposed to be the original debt that I do not have any clue of and XXXX XXXX is harassing 's me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX # XXXX and 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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

FCRA violations : not my accounts convergent outsourcing potentially negative date opened XX/XX/XXXX balance {$1800.00} status collection account. {$1.00} XXXX XXXX potentially negative date opened XX/XX/XXXX balance XXXX paid, closed. FCRA violations : not my inquires XXXX XXXX inquired on XX/XX/XXXX on record until XX/XX/XXXX XXXX CARD inquired on XX/XX/XXXX on record until XX/XX/XXXX XXXX inquired on XX/XX/XXXX on record until XX/XX/XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX resident type apartment complex
Product: Credit reporting or other personal consumer reports

On or about XXXX of 2023 I noticed accounts showing up in my credit report. I did an investigation, and found that my identity was stolen and used fraudulently to open various accounts in my name. XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have my police report and copies of my identity proving who I am and were I reside. I'm trying to buy my first home and it has been a up hill battle. 
Thank you for your time Sir/Madam
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!
Product: Credit card or prepaid card

I am a victim of identity theft and capital one is not responsive enough about it. I have proven that my information was taken with documents capital one already had and yet capital one wants to ruin the future of my family buy not removing this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/Experian/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXX/Experian/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
Product: Mortgage

I refinanced my mortgage with Freedom Mortgage ( FM ) on XX/XX/XXXX. FM was paid in full on the same day. I received a partial payment of my escort account on XX/XX/XXXX. I still have a remaining balance of {$880.00} in my escrow account. After speaking with FM over the last couple weeks, I have been told that the refund could be direct deposited and after waiting a week I called back to be told that it couldn't. They then advised that they would need to review the account to refund my escrow balance. I have asked for a direct wire to my account and put them on notice that they no longer have an interest in my property which did not help my case. I believe I am being retaliated against due to me refinancing the loan. This is not acceptable. I have relied on these funds and FM should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you update this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency. 
I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding. 
Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a freeze on all three credit companies. Having major problems with Equifax. Called company to remove freeze as credit is being pulled once more for home closing in three days. To say that this has been an unbelievably frustrating experience is an understatement. I try to login to my on-line account to do this without calling and waiting on hold. I enter my account info and a message pops up that I don't have an account ( I do ). Then I start the process to start a new account as Equifax 's website instructs. I enter all info again and it tells me that I already have an account. I am stuck in this circular, never ending cycle. I then call Equifax 's 800 # and speak to a rep. The rep tells me that the account is reset and to wait 24 hrs to log in. I wait a few days and try to log in using the link they sent to my email and the same circular, never ending cycle repeats. Used different computers, different browsers, cleared cookies, etc. Over the last two years, I've gone through this amazingly frustrating experience process 4 times. Today I tried to lift the freeze again for my home closing and had to call the 800 # ( could not log in on-line ). I've called 6 times today, spent a few hours going through security questions on the phone several times. The call always ends the same " Unfortunately our representatives won't be able to help you, you must mail/fax additional information. '' This is a predatory practice in MHO that forces consumers to purchase a monthly subscription to Equifax 's credit freeze service. A quick search on-line brings up an enormous amount of similar complaints against Equifax and their business ( or lack of ) practices.