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

On XX/XX/XXXX I sent a letter to TransUnion in regards to a dispute on several items on my credit report. 

I received the results from Trans Union dated XX/XX/XXXX. I promptly sent a letter to Trans Union requesting the Method of Verification as was sent to them XX/XX/XXXX One of the items listed was not investigated. On XX/XX/XXXX I received a letter that one of my items was previously disputed and verified. The Debt Collect is XXXX XXXX. The original creditor is XXXX XXXX and XXXX. Back in XXXX I disputed this debt that was listed on my Trans Union report and it was removed this was a different collection agency. This item was reinserted with the same amount and the original creditor. When I contacted Trans Union in regards to this issue. I asked for the method on how they verified the debt and why it reinserted with no notice as per the law. I was told I needed to contact the collection agency on how the debt was verified. Trans Union stated they only reach to the creditor and ask if the information is true. Of course the creditor will state it is accurate and the amount I owe is true. Again, I asked how and what documents were used to verify this is information is accurate. Again, I was told to reach out the creditor on how they are stating I owe this debt.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and found multiple inaccuracies that require immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting these items be investigated for accuracy. If an item can not be verified or is proven to be incorrect, I demand its prompt removal or correction as required under 15 U.S. Code 1681e ( b ) Accuracy of Report and 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information.

Additionally, I am a victim of identity theft, which I have documented in the attached police report. These incorrect entries are hurting my financial stability, and I ask that these matters be resolved urgently. The following accounts in my credit report require your attention : XXXX XXXX XXXX Account Number : XXXX This account does not belong to me. I have never opened or authorized this account. I request that you investigate it immediately and remove it from my credit report. 
XXXX XXXX Services Account Number : XXXX The late payments listed for this account are inaccurate. I have always paid this account on time. Kindly update the payment history to reflect my accurate record of timely payments. 
XXXX XXXX Services Account Number : XXXX My payment history for this account has been reported incorrectly. I have never been delinquent on this account. Please make the necessary adjustments to reflect my excellent payment history. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This account is fraudulent and does not belong to me. It was opened without my knowledge or authorization. Kindly investigate this account and delete it from my credit report. 
XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This is not my account, and it has been reported on my credit without my consent. I was a victim of identity theft, as verified by the enclosed police report. I request its immediate removal from my file. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX This account is completely fraudulent. I have never opened or managed this account, and it must be removed after proper investigation. 


As these accounts either contain inaccuracies, have been established through fraud, or can not be verified, they must be corrected or removed as per FCRA regulations. Please respond to this dispute within 30 days, as required by law, with an update on the corrective action taken. 


I have enclosed the necessary documents, including my police report and supporting identification, to assist with your investigation. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Debt collection

I paid a past due debt owed to Possible Financial through their contracted debt collector, InDebted on XX/XX/year>. After noticing in the middle of XXXX that they were still reporting the debt as unpaid to the three credit bureaus, I disputed the debt with the bureaus. Possible falsely " verified '' the debt as valid and is not updating my account as required by law. 

I contacted Possible to inquire as to why this is happening and they responded that they don't have record of my payment and did not verify the payment was made with InDebted before verifying the debt to the bureaus. InDebted as informed me that they submitted the payment to Possible and that it is paid in full.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : PORTFOLIO RC Account Number:XXXX Total fraudulent amount : {$1200.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX Account Number : XXXX Total fraudulent amount : {$1400.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX XXXX  Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX Account Number : XXXX Total fraudulent amount : {$3100.00} Date fraud began : XX/XX/XXXX, PORTFOLIO RC Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report, and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX  XXXX XXXX XXXX of inquiry : XX/XX/2020 ; XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX : {$2800.00} ; XXXX XXXX Date of inquiry : XX/XX/2020 XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX  Date of inquiry : XX/XX/2020
Product: Money transfer, virtual currency, or money service

All monies that was reported to be refunded! 

XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter XX/XX/2021 asking them to validate the debt for this collection account reporting on my credit and I never got any response at all. Per the FCRA the debt is automatically considered invalid, if it is not responded to within 30 day and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters sent out to the bureaus and nothing changed : XXXX XXXX   {$110000.00} XXXX XXXX XXXX : $ NO INFO
Product: Prepaid card

I have an American Express gift card that I have been trying to use for about 2 months already, but it doesn't work anywhere. It has a balance on it. I have tried XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, and more. All of these transactions have been denied. I called the company on XX/XX/XXXX at XXXX and I was told to continue to try it because some businesses do not accept the card. It's impossible that almost every business has denied it. 
Some of the transactions and dates are as followed : XX/XX/24 XXXX {$1.00} Declined twice XX/XX/24 XXXX {$4.00} Declined twice XX/XX/24 XXXX AM {$4.00} Declined XX/XX/24 XXXX {$4.00} Declined XX/XX/24 XXXX {$4.00} Declined
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, Transunion and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB investigated my complaint against National Credit Management. I asked National Credit Management to provide me with documentation that contains my signature solidifying the agreement between me, XXXX XXXX, and National Credit Management stating this debt would be repaid. National Credit Management has failed to provide this documentation.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the handling of the correction process for a late open account on my credit report. Despite my initial efforts to rectify the situation, the inaccurate information persists, necessitating a second attempt to correct the record. 

To my dismay, the correction process failed to resolve the issue, and the inaccurate late open account remains on my credit report. This oversight has had adverse effects on my credit standing and has undermined my efforts to maintain a positive financial reputation. 

As a result, I am compelled to submit a second dispute in the hopes of finally rectifying this error and ensuring the accurate reporting of information on my credit report. I have attached copies of all relevant documentation, including statements and correspondence with the creditor, to support my claim and expedite the resolution process. 

I urge your agency to prioritize the prompt investigation and correction of the inaccurate late open account on my credit report. It is essential that all necessary measures are taken to ensure the fair and accurate reporting of information to prevent further harm to my creditworthiness and financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$20000.00}.
Product: Credit card or prepaid card

HI, The First bankcard close the CC account with no reasons based on false assumptions andI think this is a discriminatory measure and would like to ask you to initiate an investigation, as there are no reasons or motivation for this action. I can attached or send you the document where they explain their decision, that is completely wrong and based on false assumptions and conclusions.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX XXXX  : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Money transfer, virtual currency, or money service

I am filing a complain through cash app ( Block , Inc ) due to inadequate customer service and unfair practices. Which violate the the consumer financial protection act ( CFPA ) specifically cashapp failed to make timely and and effective measures to prevent and address fraud in their platform. Leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive. They did not comply with EFTA these actions have caused insignificant inconvenience financial loss. And I seek appropriate assistance for these violations.
Product: Student loan

I have loans that were with sallie mae that are now with navient. The balance never goes down. I paid {$62000.00} on a {$51000.00} loan and owe {$79000.00}. I was looking into the loan and see that the principal is going up. I thought principal is what you borrowed and should go down but now I am paying interest on interest. 

XXXX XXXX borrowed {$18000.00} principal / now {$29000.00} principal XXXX Borrowed {$18000.00} principal / now {$24000.00} principal XXXX Borrowed {$15000.00} principal / now {$20000.00} principal I have paid {$62000.00} on these loans so {$11000.00} over the {$51000.00}. I tried a settlement offering my LOSAP ( retirement ) from volunteering as an EMT for 24 years but was pretty much laughed at. I thought fair {$31000.00} interest on a {$51000.00} loan was fair. I am XXXX and would like to retire one day. Instead they are threatening to take my home. My daughter is unemployed and payments are tough. They are not responsive. My loans were 9 % interest and 2 were 13 % interest. Because of the nonstop reports to my credit I can not take a home equity and I pay a PMI on mortgage. These loans are from 2004 and when XXXX XXXX visited my daughter 's college and lectured us on the loans they promised we would " still be able to take family out for dinners ''. So not true.
Product: Credit card

I scheduled a payment that was due on XX/XX/year> for XX/XX/year>. The payment was taken out of my account. On XX/XX/year> a statement was issued listing a late payment and a minimum payment of {$190.00}. On XX/XX/year> I received an email and call that I had missed my payment to make a payment asap. I made an additional payment. I then called the company on XX/XX/year> when I realized they took the payment for XX/XX/year> out. They advised me that they reversed the late payment, and that they were fixing the system error. I called today on XX/XX/year> because I have no documentation stating that my minimum payment was met, I have no documentation stating there was an error in the system. I have no documentation that reflects accurate information on my account cause the company refuses to provide anything to me to confirm that the payment for XXXX was met. The customer service reps will not provide me with any reference number. This error occurred in XXXX and they continue to tell me that management is working on it. However my app for the company is reflecting that my minimum payment is {$190.00} and although they are telling me on the phone the minimum payment was met it is not matching in my statements or on my online account or the app. The company refuses to provide any accurate information and they reported the missed payment to the credit bureaus when I never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following credit bureaus, Experian, XXXX   and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit card

This is an additional inquiry to Citicards. This additional inquiry is necessitated by the fact that Citicards has repeatedly failed to answer XXXX simple question regarding my Citi ( R ) XXXX Platinum Select ( R ) Visa Card ending in XXXX. As a result, I will ask the question here again with the hope that a rational and intelligent human being at Citi can provide an answer. 
What is the date of first delinquency of this account? 
Can Citi provide all information reported to the Credit Reporting Agencies regarding this account upto and including XXXX 2014 - the month that Citi stopped reporting this account? 
I understand that Citi no longer owns the account and no longer reports the debt to the major credit reporting agencies. I also understand that Citi is the original creditor of the account, and can provide information pertinent to this case. I also understand that Citi is liable for violation of the FCRA for willfully providing dishonest and inaccurate information to debt collectors in a bid to aid its debt sale practices. I also understand that this is a follow-up to CFPB Case # XXXX. 
This is the final request before this complaint is forwarded to an attorney for legal action. 
Sincerely, XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX, I do not have a contract with Outsource Receivables MG, they did not provide me with a signed contract as requested.
Product: Debt collection

Dear XXXX  I am writing to formally request that you stop sharing my personal and financial information with non-affiliated third parties, as permitted under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I do not consent to the sharing of my information beyond what is legally required for account servicing and compliance purposes.

Please update your records to reflect my opt-out request and confirm in writing that my information will no longer be shared with unauthorized third parties. If my information has been shared without proper notice or consent, I request an explanation and immediate corrective action. 

Thank you for your prompt attention to this matter. Please provide written confirmation of this request within 30 days. If you need any additional information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX
Product: Debt collection

Sca Collections is reporting inaccurate information on my XXXX CREDIT REPORT {$110.00} open XX/XX/2016 Original creditor XXXX XXXX XXXX  I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS NEITHER THE CREDIT BUREAU ( XXXX  ) nor SCA COLLECTIONS HAS RESPONED WITH PROOF OF THIS INFORMATION This is a result of identity Theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts and inquiries from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grants me the right to request the removal of fraudulent or unauthorized information as a result of a data breach. 
The following accounts and inquiries have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

On or around XX/XX/XXXX, I directly disputed collection accounts ( XXXX and XXXX ) with the TransUnion, as the respective collection agencies did not validate the debt pursuant to my request and federal laws. Allegedly, TransUnion conducted an investigation and determined that the accounts were mine. On or around XX/XX/XXXX, I requested that XXXX provide me with the method in which they verified each account. To date, XXXX has not provided me with their method of verification. In fact, TransUnion provided me with a form letter response blatantly disregarding my concerns.