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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted disputes that were absolutely useless online. Instead of fixing the issue with a fraud inquiry, I was instead denied and added another fraud inquiry that had already been resolved with another credit bureau. I find it extremely unprofessional and unethical to add another problem to resolve. I have sent out a letter with important identification and FTC report that better fix the previous issue in addition to the current incorrect information reported on my credit report. The first fraud inquiry that was found was on XX/XX/year> while the second fraud inquiry was ADDED from XX/XX/year>. What is the point of filing a dispute online when the investigation service is absolutely terrible and reports false information.
Product: Credit reporting or other personal consumer reports

I received notification that XXXX XXXX opened a credit card in my name with my information that I did not authorize. After contacting them about this credit card and that it was opened fraudulently they did not report this to the credit bureaus that it was fraud or properly investigate and close the account. I now am being harassed with mail and phone calls after repeatedly telling numerous people at XXXX XXXX who operates the XXXX XXXX credit card to close the account. They incorrectly told me that they would revise my report to the credit bureaus which has not been done and they continue to not close my account and continue contacting me.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX : Account numbers XXXX, XXXX, XXXX XXXX XXXX last XXXX ss # XXXX Dear Equifax I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
6. Forward flow agreement 7. Insurance claim with a wet signature Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law.

-15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such.

Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. 
AFFIRM has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, anxiety, and XXXX  as I grapple with the loss and navigate the challenging financial consequences. 
It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in XXXX to remedy the stress of potential losses, however, this has damaged the situation so much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of these company 's and they will not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.
Product: Credit reporting or other personal consumer reports

i ve been living in XXXX for years and i came back a month ago to see my kids and my son checked my credit report and found fraudulent accounts and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted all of them and showed them that i ve been living outside the united states for over 10 years and no one responded to me XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit report I have noticed that XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 and XXXX   XXXX  XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX  XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 ,XX/XX/2018, XX/XX/2018 and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX, XX/XX/2018 that I made under FCRA XXXX ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Product: Vehicle loan or lease

wells Fargo took my payments XX/XX/XXXX and XXXX and charged off my account after reps hadn't posted my payments XX/XX/XXXX and harassing me when i call and hanging up on me
Product: Credit reporting or other personal consumer reports

After reviewing my credit report on XXXX I Identified a discrepancy with account listed under XXXX XXXX ( XXXX ) and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XXXXand the account continue to reflect on my credit report I have not received any correspondence from creditor to validate this as correctly belonging to me. Nor has my credit report been updated to reflect that the account is disputed and there for a second validation letter was sent out on this day. after reviewing my credit again there have been no updates, and the account is still reflecting. I do not believe the account belongs to me. nor do I believe that the creditor has authorization to access the account. nor authorization to attempt to collect on the account from all three credit bureaus. I was trying to buy a house I realized I have damages on my report according to the 15 U.S.C 1681 Law, there should not be any damages on my report. Its a defamation to my character.
Product: Bank account or service

I have been part of a scam and have contracted my bank ( XXXX ) and am not being taken seriously to stop the scam. I need your help. 







I have received several credits to my checking account x XXXX claims that I did not initiate through Macy 's XXXX XXXX. So far, not bad since it 's a credit - the next step these scammers do is start wiping out your funds. 




The credit card is not mine, however the checking account is. As of yesterday XXXX of the XXXX credits were reversed. Again I did not initiate this either. I spent over 3 hours on the phone with XXXX last week and 1 hour speaking to a supervisor- XXXX from Tennessee ( they give you their location when you call XXXX last night. She said they did not initiate it but the merchant did. Last week I canceled my debit card and have received a new XXXX. I received XXXX letter from XXXX yesterday that said I could have a copy of the transaction and when I spoke to XXXX, she said no, because they do n't have it. 










I said let me get this straight. I did not and the bank did not do anything except follow the orders/transactions from Macy's- which I told you I did not do! Yet Macy 's is able to have access to debit or credit with my funds? 




It was explained that the merchants sometimes clean up their accounts and return funds for bookkeeping purposes. If they did that- they why turn around the next week and recoup x XXXX of the transactions? 




When you XXXX " MACY*S.COM # XXXX there are pages of information, yet XXXX does nothing to block Macy 's from my account. I have a Macy 's card. They certainly know how to bill me or credit me. I also believe that any funds they may have would have been escheated to the state. 




XXXX : XXXX https : XXXX http : XXXX MACY*S XXXX XXXX XXXX XXXX MACY*S XXXX # XXXX XXXX OH I provided Macy 's On Line with the new American Express XXXX card to pay for XXXX pieces of luggage. The total cost was {$480.00}. 




View on XXXXMacy XXXXmacyscomXXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is no reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. Bankruptcy chapter XXXX Reference # XXXX XX/XX/2016
Product: Student loan

I have been a part of the XXXX program for a long time. I have had XXXX of XXXX payments certified. I have XXXX more that I have yet to certify. In XX/XX/XXXX I was contacted and told that my account is under review based on the changes that President Biden put in place for the XXXX program and that I would qualify for additional months credit. I was then contacted again in XXXX of XXXX and told the same thing. Based on when I was working for a XXXX approved employer, I should already have met my XXXX payments. 

Fedloan Servicing is simply not processing things. They are doing nothing and my account should be updated after over XXXX months of waiting! I am concerned that they will not have this done in the next XXXX months, and then I will have to start repayment of my loans, which should already be forgiven. 

I want Fedloan Servicing to complete the review and update my account with the correct XXXX loan payments that should be approve based on the new standards. I have contacted them on multiple occasions and they have stated that it is in process and they have no idea when accounts will be updated.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act parentheses FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving an accurate or unverifiable account unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as feeling to forward customer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures online with my experience, where has neither corrected nor removed disputed items, despite the evidence I provided, causing out ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccuret information not mine or no knowledge of please remove the items cra and hippa violation sent the po report from XXXX
Product: Money transfer, virtual currency, or money service

Bank of america and the regulator agent XXXX  in concert with customer service are trying to scam me out of our agreed upon XXXX claim that I filed with the customer protection department arou a couple of weeks ago. The lady and the customer service department finally taken my claim and they played around a few days but I kept calling and telling them the regulator agent authorized it and said she was authorized to tell me that. She also told me that I could file it under Id theft because a year ago they put your money in the wrong account. When the lady ask me how much and that her boss told her to ask me the amount I said XXXX and she ask exactly XXXX and I said yes. They told me to call every three days and an guy told me last Thursday that your claim got approved and I kept asking him about the XXXX that I need it now. He just kept saying soon now I call today the third day and around XXXX and the lady said it is for XXXX the first anyone brought up any amount to me period and is fraud. 

I noticed XXXX  stop talking or returning my calls after her response which included lies. Absolutely, no transaction has went into my account since 2015 and she lied about last year. I absolutely never told her that I had no more concerns. When she told me that I could file a claim customer service played games for days trying to deter me from my claim. 

She and I agreed on identity theft fraud that I could claim on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1682 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 an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent, it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Product: Credit card or prepaid card

Hi, my prepaid debit card through card.com got hacked. Somebody managed to withdraw cash at XXXX transactions on XX/XX/XXXX for - {$100.00} and - {$43.00}. I called and filed a dispute through card.com which they declined.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/21, I placed some deposits into the night deposit box at the Bank of American branch at XXXX XXXX XXXX, XXXX, GA XXXX. The branch then closed due to COVID. They still have not processed my deposits. I talked to the bank on XXXX and again on XXXX and they did not seem to care. I still am waiting for my deposits to be credited to my account. Once they allow me to place deposits in the box set up for that purpose, they bear the burden of responsibility to process said deposits. If the branch was planning on closing and not collecting the items in the box, then the box should be sealed.
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.
Product: Credit reporting or other personal consumer reports

Accord to the Consumer Financial Protection Bureau : A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered I was unaware of the {$110.00} charge from XXXX XXXX XXXX that was mistakenly charged to my XXXX XXXX. I was not notified that this amount was past due by XXXX XXXX. XXXX XXXX did not call, text, or email me about this past due balance. I did not receive a letter. I paid the purchase amount, interest, and late fees as soon as I received a notification from XXXX and Experian of the mishap. I would like these negative comments removed from my credit file immediately. 

Please take note of my email and phone number. This has been my contact information for at least the last 10 years. They did NOT contact me. 

Thank you XXXX XXXX