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

I am formally disputing the following late payment entries on my credit report XXXX XXXX XXXX XXXX XXXX {$15000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
Product: Credit card

I was coerced into opening an American Express account on XX/XX/year> by a company named XXXX XXXX XXXX also know as XXXX XXXX XXXX also know as XXXX XXXX XXXX. They are a fraudulent company that convinces you to open your computer screen and they get you to open the account and charge you to work for them. The contract says you will get your money back in 30 days if you book 10 appointments. They create issues where you cant book those appointments. They also are not clear about what they want done. The owner is XXXX XXXX. I am also turning them into FBI
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Product: Credit reporting or other personal consumer reports

Equifax bombards me with promotions and services. I subscribed and paid to have access to my credit report and score for {$XXXX} for 7 days, and after that it would be {$XXXX} a month unless I chose to cancel. I paid the {$XXXX}, and the following day they cancelled my subscription. I went to their website which did not have information about this on their FAQ, and they did not have a chat or email feature to ask questions. I did have the option to call, or send them a letter in the mail. I called, and nobody answers the phone. It is impossible to get somebody by phone at Equifax. Their phone tree just takes you in circles with the same options. No matter what you press as an option, it keeps you in a loop, and eventually hangs up on you. How is this acceptable? How is XXXX of the top XXXX credit bureaus allowed to get away with this? This is not acceptable and all they do now is bombard me with emails twice a day to sign up for their services for {$XXXX} a month.
Product: Credit reporting or other personal consumer reports

the credit reporting agencies keep reporting late payments to my credit report which is illegal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting or other personal consumer reports

Despite providing all necessary documentation and following the prescribed procedures for reporting fraudulent activity, the problem remains unresolved, causing significant inconvenience and distress. 

I understand that resolving such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent charges on my account not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my account. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the time, inconvenience, and financial losses incurred as a result of this ongoing issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$560.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I hope this letter finds you well. I am writing to file a complaint regarding a case of identity theft that I have recently discovered. I believe that my personal information has been compromised and used fraudulently to open accounts without my knowledge or consent. I am seeking your assistance in resolving this matter and protecting my rights as a victim of identity theft. I have contacted all three major credit reporting agencies, including XXXX, Equifax, and XXXX, to place fraud alerts on my credit reports and request a copy of my credit report to review for any further fraudulent accounts or activities. 3. Notified Financial Institutions : I have reached out to my bank, credit card companies, and any other relevant financial institutions to inform them of the identity theft and request that they freeze or close any accounts associated with it. 4. Contacted the Federal Trade Commission ( FTC ) : I have filed an identity theft report with the FTC and obtained an Identity Theft Affidavit. Supporting Documentation : To support my claim of identity theft, I have enclosed the following documents. Identity Theft Affidavit from the FTC Request for Assistance : I kindly request that the Consumer Financial Protection Bureau investigates this case of identity theft and assists me in resolving the matter. I seek your guidance in ensuring that all fraudulent accounts are closed, any unauthorized charges are removed, and my credit report is restored to its accurate and rightful state. I understand that the Consumer Financial Protection Bureau has the authority to intervene and take appropriate actions to protect consumers in cases of identity theft. I kindly request your utmost attention and prompt action in resolving this matter and providing me with the necessary support and guidance. Thank you for your time and consideration. I eagerly await your response and resolution of this matter. 
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

Hi I am writing this complaint on EQUIFAX. They both said they verified a XXXX/XXXX  funding on my credit report. 

I would like to argue they verified this properly because XXXX told me to ask for paperwork from XXXX. All XXXX sent was a statement saying I owe money. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted XXXX  in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.
Product: Mortgage

I refinanced my mortgage with Loan Depot on XX/XX/2021 ; however, Loan Depot did not pay off my existing mortgage with XXXX XXXX the same day and instead waited until XX/XX/2021 to pay off my existing mortgage. As a result, I paid interest charges to both Loan Depot and XXXX XXXX for 3 days ( XX/XX/2021 - XX/XX/2021 ). 

I have contacted Loan Depot multiple times about this issue but have have not received a response. 

In addition to failing to receive a response on this issue, Loan Depot also failed to pay the property taxes on this account from the associated escrow account for this loan. As a result, I had to pay the taxes directly to avoid being charged interest and penalties.
Product: Mortgage

I have not used all the months of forbearance and chase wrongly says I have. There were 4 months where I did not request forbearance and I paid those months but they are saying it counts towards my 12 months cause the rep made a mistake. I need to use forbearance cause of my lost of income
Product: Credit reporting, credit repair services, or other personal consumer reports

As on XX/XX/2022, XXXX is INCORRECTLY reporting that I have accounts with XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and the Department of Education. They have failed to show documents that I have signed stating that I owe on these accounts. They also have my mailing address incorrect.
Product: Debt collection

Front desk at XXXX XXXX XXXX XXXX XXXX stated insurance would cover 100 %. I told them my insurance would not cover any of it. They insisted it would cover 100 %. I asked them how much is it worst case if they cover 0 % and they stated {$75.00}. After several visits, I began receiving bills for more than {$75.00} per visit. 

Total amount owed by me should be amount of visits times {$75.00}. I called the front desk staff to correct and they said there's nothing they can do since it already went through insurance, covering 0 %, and I need to call their billing department. I then called the billing department around XXXX different times, eventually asking for a supervisor. Every time they said I would receive a call back once a supervisor is free but I never once received a call back. 

I then started receiving collections notices. I replied within the XXXX  days checking the box " The amount is wrong '' and sent via certified mail. I never received a response regarding the amount, instead I received the same exact debt collection letter stating I again need to reply within XXXX  days but it had new dates listed.
Product: Credit card or prepaid card

I had a valid Mastercard with Citi which I closed several years ago. The rationale for my voluntary closing the card was due to Citi raising the rate. At the time I had a large balance on the card and continued to make payments on the card. Within the last year my 9.9 % rate has been raised twice to the current rate of 11.49 %. I have inquired several times concerning the recent increases, only be told that the rates were raised to reflect the change in the Federal Reserve rates. They adjusted my rate accordingly. My question, is when the standard interest rates were lower, how come my 9.9 % was not adjusted downward. It seems that would have been appropriate. I have never been notified by Citi, to rate increases.
Product: Debt collection

Transworld Systems contacted me in XXXX regarding a collection account that was sold to them by XXXX XXXX XXXX. I sent them a certified letter requesting they validate the debt. In XX/XX/XXXX, Transworld sent me a bill in the amount of XXXX from a company by the name of XXXX XXXX. According the bill, XXXX XXXX ( not my name ) had electric service at XXXX XXXX XXXX in XXXX, TX XXXX. I have never lived in Texas nor I have I heard of XXXX XXXX. I filed a police report at the time. However, I can not find it and neither can the police department. I refiled the report today. I then learned that Transworld Systems placed a collection account on my credit report for a bill in the amount of XXXX with a company named XXXX XXXX. I have never had an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

Equifax is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for XXXX and XXXX to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with XXXX and XXXX nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA
Product: Money transfer, virtual currency, or money service

I 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 fail 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 called significant and convenience and financial loss and I seek the appropriate redress for these violations.
Product: Checking or savings account

I opened a US Bank personal bank account with XXXX XXXX, at the XXXX branch in XXXX with a promotion. The account information sheet which had my routing/account number was used for my SSA, and it was bounced out. Online banking informed me over multiple call in 10 days that the account did not exist. 
Then, I received a call from deposit operations that I was confirmed, and the account was opened. 
Then my account was frozen on XXXX XXXX, XXXX, the day before my SSA deposits went through. SSA informed me that they were returned under the code " frozen account. '' I sent in my state id, SS card, and passport.

I was told it was unlocked, then it was froze again, causing my SSA payments to be returned once more. I called XXXX, and he called deposit services, and he, and I were confused as to why they asked for the same documents that I had already sent. 
You were supposed to have 90 days for the promotion, and after 3x calls to SSA, and 7+ hours on the phone, I had to beg them to try this account once more, as the XXXX, XXXX payment bounced out, as well. So they had to do a lump sum of over {$5.00}, in the middle of Feb.. 
I have had no issues since then, but I should receive my promotional bonus of {$450.00}, as I made good faith efforts.
Product: Debt collection

I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX  XXXX LVNV Funding LLC acquired the account and now has sold the account on XXXX to Resurgent. Resurgent has threatened to sue me for an old credit card debt. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to XXXX XXXX XXXX XXXX. XXXX XXXX has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

Yours very truly, T