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

On MULTIPLE occasions I disputed XXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for HEAP. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Product: Vehicle loan or lease

In XX/XX/2015 I purchased a XXXX XXXX from XXXX XXXX  from XXXX XXXX  with a service contract costing me {$2500.00}. The car was in an accident and was determined by the insurance company to be a total loss. I ended up going back to XXXX to refinance another vehicle. XXXX never reimbursed my service contract. The car was finance for over 6 years and I owned the car for about a year and never really used the service contract. In which XXXX   never offered a rental. I then got another XXXX XXXX from XXXX. The financing now had an interest rate of almost 20 %, but I needed the vehicle. I also got another service plan for {$1800.00}. Unfortunately this car got in an accident and claimed a total loss and again XXXX XXXX kept my service contract money. This car was owned a little more than a year. I find {$4300.00} is a lot of my money to keep. This needed to be reported. I can supply any documentation needed to stop this type of stealing from customers.

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. And in turn, I was victim of scams and money transactions I did not do with no way of getting refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action.I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Checking or savings account

XX/XX/2021 : Opened Citi Priority Checking and Savings accounts using the link on the {$700.00} promo ( promo screenshot attached and welcome email attached ). 

XX/XX/2021 : Accounts fully funded with {$50000.00} by XX/XX/2021. This money has been left in the accounts this entire time ( as of today XX/XX/2021 ). ( screenshot attached ) XX/XX/2021 : Contacted Citi inquiring where my {$700.00} was. I was told that I had successfully opened the accounts and funded them by XX/XX/2021, and maintained balance for 60 days and was eligible for the promotion. I was told I would receive it 90 days from the XXXX day from XX/XX/2021 ( which is XX/XX/2021 ). I was specifically told I would receive it well by the end of XXXX. ( screenshot attached ) XX/XX/2021 : Contacted Citi again and they apologized that the bonus had not been applied and raised a dispute ( XXXX XXXX ). They said the investigation could take as long as 5 business days. ( screenshot attached ) XX/XX/2021 : Contacted Citi again, having received neither the bonus nor any response on the dispute. Was instructed to call an XXXX and give my dispute R number. ( screenshot attached ) I called this number and spent 10 minutes trying to get to a representative. It was not a number to a dedicated dispute department but rather was just a general customer service line and I could never get out of the automated AI person.
Product: Credit card

I applied for a capital one card back may of last year. this pass fall of last year i took out a cash advance. i sent in payments amount that should have paid XXXX of the cash advance amount. When i look at my XXXX statement i was shocked that my cash advance amount had not deminised at all. So i called capital one to see why my cash advance amount had n't went down. I was told that after they fees amount have been deducted then whats left over would be split and XXXX half of that amount would be subtracted from the purchase amount and the other half would be used to reduce the cash advance amount. So I decided to continue to pay far more than the minimum amount due so that was left over would completely reduce or in my case totally gotten rid of the cash advance amount. Three months late to my shock the cash advance amount was still the same. Being greatly concern and in anxiety about this I called capital one again. Now they tell me that I have to pay the entire balance on my card ( purchase and cash advance ) amount in order for the cash advance amount goes away.They said that cash advance amount would remain the same forever, and they will continue charging interest on the full amount continually forever otherwise. This is criminal, i would fair better at XXXX robbery. This is so wrong on so many levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX ( {$330.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

- [ ] Addresses * XXXX XXXX, OH XXXX * XXXX XXXX, OH XXXX - [ ] Collection account ( no knowledge of this however noticed there are late payments, from my understanding collections closed are not supposed to have a payment history of late payments. ) XXXX XXXX Original creditor : XXXX  XXXX XXXX {$470.00} <1 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX - [ ] Closed accounts - [ ] inquiries XXXX XXXX XXXX XXXX XXXX XXXX - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX  XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting negatively as collections on my credit report despite not having any monthly historical data at all. This account is reporting negatively as collections on my credit report despite of my long-standing history of on-time payments. THIS IS CLEARLY INACURRATE REPORTING.
Product: Credit reporting or other personal consumer reports

This is my second 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 items 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a formal complaint against TransUnion for their failure to respond adequately to a dispute letter that I mailed on XX/XX/scrub>XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In my dispute letter, I specifically requested an investigation into the entry for Bankruptcy XXXX XXXX XXXX XXXX XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Unfortunately, I received a response from TransUnion, dated XX/XX/scrub>XXXX XXXX XXXX indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with the USPS certified mail proof of delivery and TransUnions response, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : The collection account listed in the provided document is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A list of fraudulent hard inquiries, as attached, showing unauthorized access to my credit file. 

Collection accounts and hard inquiries resulting from the fraudulent activities outlined above. 
I do not recognize these accounts, collections, or inquiries as reported. They were not opened, made, or initiated by me. All are the result of identity theft and fraud. 

I have attached the following documentation as evidence : A copy of the consumer XXXX credit report maintained by you showing the fraudulent items. 
A copy of the FTC Identity Theft Criminal Complaint ( FTC Report Number : XXXX ) confirming that these items are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XX/XX/2018 for my accounts to be properly verified and once verified. However, they have still not identified who their company verified the accuracy of these accounts, or how they verified them? Nor have they provided the physical proof of such verification. Under the FCRA section 616 and 617 it's Experian responsibility to authenticate the documents their files that were used to verify the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XX/XX/XXXX. All these inquires are fraud! I listed them below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these above were ran by a XXXX  out of XXXX Al. I have already did a police report and told XXXX headquarters about their sales team at this location running peoples credit without permission. I already had an approval from XXXX on the XXXX of XX/XX/XXXX for a loan amount of {$22000.00} before I ever went to this XXXX. Attached is my police report and below are other inquires that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

The following variation are inaccuracies of my proper name " XXXX XXXX XXXX '' and any improper spelling of my actual name is a crime and a federal offense pursuant to Title 18 U.S. Code 1342 - Fictitious name or address and imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Here is a copy of my last credit report that I sent to Wells fargo account number XXXX date opened XXXX line of credit home equity loan : This information is on my credit report see credit limit $ XXXX. The account was closed on XX/XX/XXXX : see credit report this account was placed in forbearance with and outstanding of {$140.00} ; XXXX payment received {$280.00} : This same loan was modified by Wells Fargo at the same time please see credit report .Wells Fargo Home Mortgage XXXX XXXXdate opened XXXX conventional real estate XXXXpayment $ {$1300.00}. Please see credit report Balance XX/XX/XXXX {$1300.00}, {$140000.00}. XX/XX/XXXX {$1.00} ; XXXX : balance {$140000.00}, XX/XX/XXXX. {$1.00} ; XXXX. Balance {$140000.00} : Date XX/XX/XXXX, {$1.00} ; XXXX. Monthly payment {$140.00} ; XXXX : balance. Date XX/XX/XXXX {$1.00} ; XXXX. Monthly payment ; {$140.00} ; XXXX : payment keep going up : I have paid on this mortgage for 28 years with and out standing balance of over {$140.00} ; XXXX. Calculation error : The two account was on our report for year : My XXXX XXXX credit has been removed from my credit report my credit report has been removed : XXXX - XXXX. It scored because the request score model can not be scored or retired because date is suppressed or can not be evaluated : Why was my credit report removed from the files. Help me please Wells Fargo is a big company With powerful employees : I do not want to meditate with Wells Fargo Bank they will not be fair with me. I am sending the checks and cover letters telling me to cash the checks I have not cashed them.
Product: Student loan

I called XXXX to get a validation of debt that they say I owe of XXXX from all of the schools they say I attended I asked for Promissory notes with my signatures, they responded that they would send proof. XXXX days later I got an email from XXXX with a Promissory note from XXXX XXXX saying I owe XXXX that was the only proof they provided with that being said all three of my credit reports show I owe XXXX this is inaccurate info and affecting my credit negatively I need the loans showing on my credit bureaus to be removed permanently because XXXX can not validate the remaining XXXX. I am attaching the Promissory note that XXXX Transunion is the only bureau that's giving me a hard time to remove the other bureaus have removed the XXXX by XXXX. of XXXX XXXX XXXX you please demand Transunion XXXX remove this debt from my credit file do to inaccuracies.
Product: Debt collection

Account showed up on credit report. No prior communication received. Asked company to validate debt. All they provided was a balance with no invoice stating where balance came from and a copy of a lease. Did not receive anything stating company’s right to collect this unverified debt. Credit score is harmed by invalidated debt.
Product: Debt collection

Received a letter in the mail from XXXX XXXX XXXX, XXXX. 
said they are collecting for XXXX. That has to be wrong because it was a charged off account.