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

I am writing to make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Product: Checking or savings account

XX/XX/2023 I was locked out of my Robinhood account. I made seven attempts to regain access to my Robinhood account. All attempts notwithstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened and closed the same day with Barclays Bank XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated. 
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my 25+ years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!
Product: Debt collection

I am a victim of identity theft and enclosed you will find a debt validation and full material disclosure request for the alleged debt I owe Midland Credit Management. I never authorized or entered a consumer credit transaction with Midland Credit Management, XXXX XXXX or XXXX  XXXX.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS O MY EXPERIAN CREDIT REPORT.
Product: Mortgage

I had signed and submitted a contract to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX along with my pre-approval letter from my lender for full asking price of his property. My realtor then received a counteroffer, stating that I am only permitted to use his mortgage broker or he would not sign the contract. As a consumer I am aware that I have the full right to determine which lender I choose to use and the builder is not permitted to not sell me a home because I do not choose to use his broker friends XXXX XXXX and XXXX XXXX from Paramount Residential Mortgage Group , Inc. Using this company will cost me additional money on broker fees, and I will be forced to forego a grant of {$11000.00} that my lender has qualified me to receive. I have evidence both in the contract he provided as well as a follow up email from him stating there was no choice on my part as to which lender I could use if I wanted him to build my house.
Product: Debt collection

This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT. 
I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX XXXX bought XXXX from XXXX XXXX. They bought and forgave all unpaid debt when they incurred the company. I have a letter of forgiveness from XXXX stating I do not owe any dollar amount to the school. And they the debt has been forgiven. Also I filed bankruptcy in 2017 in which this item was included and the company refused to acknowledge or comply with the guidelines or results of the bankruptcy. At the time in 2017 I did not know XXXX had bought XXXX, so I included it in the bankruptcy.
Product: Mortgage

Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/30, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the recent outcome regarding a dispute I initiated concerning a {$12000.00} charge-off from XXXX XXXX XXXX XXXX XXXX on my XXXX secondary credit report. On XX/XX/year>, XXXX completed its investigation of this disputed account and subsequently deleted the account from my XXXX report. As this account has now been deleted by XXXX, I respectfully request that the same action be taken on my credit reports with your agency, as this account is no longer verifiable. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, if an account is found to be unverifiable by any of the credit reporting agencies, it must be removed from the consumers credit report within a reasonable time frame, generally 30 days from the completion of the dispute process. 
If XXXX has determined the account to be unverifiable and deleted it, I believe this serves as definitive evidence that the account should not appear on my credit report with your agency either. I respectfully urge you to remove the unverifiable {$12000.00} XXXX XXXX XXXX charge-off from my credit report within 30 days of this notice. 
In accordance with the FCRA, specifically Section 1681i ( a ), the credit reporting agencies are required to conduct a reasonable reinvestigation if a dispute is raised and ensure that any account that can not be verified is removed from the consumers report. If you fail to remove this unverifiable account within 30 days or less, I am aware that I have the right to take legal action under the FCRA and other applicable consumer protection laws. Section 1681n of the FCRA provides that if a consumer reporting agency willfully fails to comply with the FCRA, the consumer is entitled to actual damages, punitive damages, and attorney fees. Further, Section 1681o provides for actual damages in cases of negligent non-compliance. Given this, I ask that you take prompt action to remove the unverifiable account from my credit report within 30 days to ensure compliance with the law and avoid the necessity of pursuing legal remedies. 
Thank you for your prompt attention to this matter. I expect confirmation of the removal of this account from my credit report within the next 30 days.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts : XXXX. XXXX balance. {$7800.00}. XXXX. XXXX XXXX  balance. {$1400.00}. XXXX. XXXX  balance. {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted over request regarding debt and also documents of the debt and the company has refused to provide any documents. I submitted complaint XX/XX/23 and have not received any documents from company NCB
Product: Debt collection

LVNV Funding has reported a debt on my credit report without first providing a written notice of my right to dispute.  According to federal collection law, that is not allowed.
Product: Student loan

Firstly I had not been receiving any mail on making payments to my federal loans to my loan servicer Great Lakes, despite it reflecting I have selected the postal option. Then one day I receive a letter from them, ' you are {$1.00}, xxx behind on your payments, you must pay this off and continue your payment plan. You should also go into forbearance if you can not pay this. Turns out they were sending all these emails to an old email I had used for school and had not been aware of to whom and how much my monthly payments would be for my federal student loans. I replied to the email and went into forbearance this past month. Since that month that I had logged into my account and requested forbearance, I recall the unpaid principal being about {$30000.00}. I log in today to find the principal to be {$34000.00}. I understand that loans still gather interest in forbearance but this seems a little ridiculous. I did some research on other people that had Great Lakes as their servicer and found that many people experience unknown fluctuations in their principal. This makes me very unsettled when this is who I 'll need to deal with for many years in repaying my loans. I 'd like to get back on track and will be filing my taxes soon to apply for an income based repayment plan, because Great lakes is expecting me to pay about 20 % of my income. I was hoping to seek some guidance in dealing with my servicer, as well as bringing to light the issues myself and many other students are experiencing.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of fraudulent activity associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have already reported this identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Bank card was fraudulently established in my name. Target claim I took ownership when I called submitting my name social And other personal items of verification to my identity. I inquired about the fraudulent activity that has established I presented documentation immediately filed an FTC report as with bringing them the documentation of the police report. 

In turn theyve also sold the debt off to a XXXX XXXX XXXX XXXX. This collection company also has been harassing me through USPS Mail of the same fraudulent debt. 

I spoke to a XXXX ( Target Fraud Dept ) on XXXX XXXX stating he was going to make this an utmost priority to update and remove. 

I spoke to a XXXX  ( Target Fraud ) on XX/XX/XXXX who advised me that Target Would be able to remove an update with the CRAs upon receipt of me faxing over the FTC report. I complied in doing so nothing was updated nor removed. 

On XX/XX/XXXX I spoke to an ( Target Fraud Resolution Specialist XXXX ). XXXX stated that a form called 1099-C had been submitted to the credit bureau and this debt was being updated with that form for removal. I then requested to have this document since this is a crucial piece of evidence to obtain since it to had to be submitted to the IRS. He mentioned that he had to get this information and it would take a couple of days for him to get back to me I never heard back from him. 

I followed up and spoke to a ( Fraud Target-XXXX  Fraud Resolution Specialist ) On XX/XX/XXXX approximately XXXX to XXXX PM she started in with documentation of this fraudulent account and calls that were made inquiring and stated that all the calls were coming from my phone number I begged differ and I told her Im not quite sure as to what she was insinuating however this account was established on fraudulent pretenses. 

She left a voicemail at XXXX PM the same day stating that she needed me to follow up she would be sending documentations in for me to fill out paperwork for fraud. 

I returned her call where she also confirmed that she wanted to send documentation and have me fill out paperwork and return. 

Im traumatized enough I am not submitting my personal identification Social Security my whereabouts to this company I have submitted the proper documentation that target person told me to submit and now they are requesting me to upload more information and to my Social Security number. This here has prevented me from Housing its also defined my character as they have sought after me for this debt as well as sold this debt that was fraudulent to a collector who is now hounding me for the same debt.
Product: Debt collection

I am in receipt of your correspondence dated XX/XX/XXXX. The letter stated the following : Our records show this account is closed and charged off on XX/XX/XXXX, with an outstanding balance of {$10000.00}. On XX/XX/XXXX, we sold this account to XXXX XXXX XXXX XXXX XXXX. XXXX confirmed that Capital One is no longer reporting your account to the CRAs. 

The balance associated with account ending in XXXX is disputed. This correspondence serves as a billing error notice and I request ALL documentary evidence on the above-referenced account be sent to
Product: Credit reporting or other personal consumer reports

Hello, I have reached out the the XXXX creditors in this matter, Best Buy/CBNA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Reporting Act, this creditor has violated my rights. I understand that under 15 USC1681 section 602 - states, I have a right to privacy15 USC1681 604A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Debt or credit management

Collection companies called Mildand credit management is reporting trying to collect on debt .on account l don't owe. Also unverified. Due to Fraud. Mildand continue send letters and also filling against. my credit report trying to recover account not owed unverified. only documents was received from this company was a Bill from XXXX XXXX XXXXwhich shows No history payments. Date on this account
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 violates 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 was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations 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

American Express and XXXX XXXX have multiple inquires on my account that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative 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. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second or third compliant and after this Im going to sue XXXX and Experian for violating my FCRA. I have two accounts that are closed with XXXX and it continues to come back as verified. One account ends in XXXX and had a balance of {$4300.00} and the other account ends in XXXX and had a balance of {$7900.00}. XXXX continues to change the close date. My attachments show proof. The most recent credit report shows XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. How can this continue to happen. Another attachment shows dates from XX/XX/XXXX. This is intentional at this point. 

XXXX needs to be removed from both XXXX and Experian. I have requested multiple disputes but they all come back verified. 

Experian the only CRA reporting 90 day lates for both accounts. XXXX deleted both accounts back in XX/XX/XXXX as the same inaccuracies are shown. 

Im not requesting another investigation. In fact, do not do one. This information needs to be deleted IMMEDIATELY for multiple FCRA violations. 

XXXX shows DOLA as XX/XX/XXXX while Experian shows nothing. Experian doesnt show a close date. 

This file needs to be deleted. A response of opening an investigation is not sufficient. Both credit bureaus have had ample time to resolve and didnt. Remove both XXXX accounts or I will have to file FTC complaints and sue in court for violating my rights. 

A letter from XXXX ( the presidents office ) shows contradictory information. No close date has been provided. XXXX said they are not reporting 90 day lates in the letter however thats incorrect. 

Also attached is another credit report showing close dates in XXXX. All parties need to immediately delete credit files since my FCRA rights have been violated. Inaccurate information on my credit report sits there for years. I need the CFPB to intervene and ensure this is deleted timely.