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

This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 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. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. The following account was not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my XXXX, Experian, and XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Date opened- XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Product: Debt collection

my name is XXXX XXXX I stayed in XXXX XXXX  for XXXX years i was on base on income meaning if I lost my job, being ill or anything of that nature my rent will go down to XXXX dollars I lost my job XX/XX/2021 I reported to the apts XX/XX/2021 which I screen shot in sent to you which brought my rent back down to XXXX! I was originally XXXX I moved out my apt XX/XX/2021 because my least was up I returned my keys and was done never went to court or had a court date this apt have had more then XXXX managers fired forms stealing tenants money I dont know whats the problem but this is incorrect I have sent in my proo
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : Inquiry by [ XXXX XXXX XXXXXXXX ] on [ XX/XX/year> ] Inquiry by [ XXXX XXXX XXXX ] on [ XX/XX/year> ] Inquiry by [ XXXX XXXX  ] on [ XX/XX/year> ] Inquiry by [ XXXX XXXX XXXX ] XXXX [ XX/XX/year> ] Inquiry by [ XXXX XXXX XXXX XXXX [ XX/XX/year> ] As per 1681b of the FCRA, hard inquiries should only be listed on a credit report if they are the result of a consumer-initiated action. I did not authorize these hard inquiries, nor did I initiate any application for credit with these entities.

To comply with 1681i of the FCRA, I kindly request the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I request that you provide accuracy by contacting the companies that reported these inquiries and showing proof that I personally authorized these hard inquiries. If there is no proof of my authorization, these inquiries must be removed immediately in accordance with 1681e ( b ).

Specifically : 1681b. Permissible purposes of consumer reports : Hard inquiries must be based on a legitimate purpose, such as a consumer-initiated transaction.

1681i. Procedure in case of disputed accuracy : Requires the credit bureau to conduct a reasonable reinvestigation of disputed information and provide results within 30 days.

1681e. Compliance procedures : Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information.

Enclosed with this email, I have included the necessary identification documents ( drivers license, social security card ), a copy of my credit report highlighting the disputed inquiries for your reference & an identity theft document.
Product: Mortgage

I stop making payments in XX/XX/2022 because my income was less, I got behind 5 payments in Total {$6800.00} and I need to pay the total amount, if not is going to foreclosure and dont want to lose my house..
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a 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 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Settlement has been reached and paid with XXXX XXXX, the original collector. Trident needs to remove the negative remarks from my credit reports asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}
Product: Credit card or prepaid card

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 I RECEIVED A LETTER FROM AMERICOLLECT CLAIMING I OWE THEM A DEBT FOR SERVICES NOT RECEIVED FROM THEM, I RESPONDED WITH A VALIDATION REQUEST XX/XX/2018 IN WHICH I RECEIVED NO REPLY AT THIS TIME. XX/XX/2018 WHILE LOOKING AT MY CREDIT REPORT I NOTICED AMERICOLLECT REPORTING ILLEGALLY AN ACCOUNT I'M DISPUTING WITH THEM ON ALL THREE MAJOR CRA 'S CAUSING A NEGATIVE IMPACT. I REACHED OUT BY PHONE TO BE RUDELY SPOKEN TO BY THEIR REPRESENTATIVE. AMERICOLLECT IS REFUSING TO SEND VALID VERIFICATION AS REQUESTED IN WRITING. AMERICOLLECT IS REFUSING TO REMOVE THIS UNVALIDATED UNVERIFIED ITEM.
Product: Vehicle loan or lease

This issue has persisted for multiple years despite several attempts on my part to get Ally Auto to fix the problem. 

Ally Auto XXXX Ally Bank sends out emails every month who's subject ( and body ) claim : " Weve received your vehicle payment. '' and " Your vehicle payment was successful. '' However, the emails do NOT indicate that the payment was in fact received and successful. Instead they indicate that their internal systems have initiated the automated payment ACH process.

As a consumer, I receive that email and think " great! everything is ok. '' However, if the ACH payment fails for some reason ( e.g., timing of your deposits to your account vs their withdrawal ), you don't get notification of that until 9+ days later, at which time they then charge you with a late payment fee. 

That late payment fee would have been avoided if they did not originally claim that the payment was successful, causing you to take your eye off the account thinking everything is ok. 

I have repeatedly told their customer service people that they need to change the wording of those emails to read " We have initiated the payment process '' or, that they wait until the payment has IN FACT been received by them before they tell you the payment is " successful. '' I have been charged several late payment fees due to this, and I suspect they don't want to fix it because it's a net benefit to them not to do so.
Product: Debt collection

Collection name : Aldous Associates representing XXXX XXXX gym litterally took my account to collection. I signed up for XXXX XXXX for 1 month in 2018 and cancelled my membership thereafter. Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. Please help in removing this erroneous debtor on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and Experian. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX  XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

Experian did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX  and XXXX  are pending.
Product: Debt collection

Calls placed after   XXXX   XXXX  .
Calls several times per day.
Product: Credit card or prepaid card

Some one opened a Fraudulent Credit Card account with Discover. I have mentioned to them several times that I did not apply for that card. I filed an Identity Theft Police Report, submitted it to them and to the Credit Bureaus but Discover still does not want to remove this from my Credit Histories. Please help
Product: Debt collection

1. I have disputed this debt on my XXXX XXXX credit report four times. It is yet to be marked as disputed. 
2. I have received daily phone calls as early as XXXX XXXX  3. I have repeatedly asked this company to validate the debt, which they have been unable to do. 
4. They can not tell me who is original creditor. 5. They wont send me the written permission they have to collect the debt and the original application with my signature on it. 
6. They wont send the payment history on the debt. Or, what the total balance is, and how they arrived at that amount. 

I have contacted an attorney who told me this : When you ask a debt collector to verify or validate a debt, or you otherwise dispute the debt, you trigger certain legal obligations ( which they must follow ). One of the most important of these obligations is to mark the debt as disputed, on your credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). 
90 to 95 % of the time, debt collectors do what they're supposed to, and mark accounts as disputed. However, there are a good 5 % to 10 % of disputed accounts, which are not properly marked as such. 
If the account is not marked as disputed, you're entitled to up to {$1000.00} in damages. Independently of the {$1000.00}, the debt collector must pay your attorney 's fees. I will move forward with a lawsuit if this is not removed from my credit report permanently. I will also be collecting the several XXXX dollars at this company now owes me under the laws guidelines.
Product: Debt collection

The seriousness of identity theft demands swift and decisive action to protect consumers ' financial well-being. Given that other bureaus have acknowledged the fraudulent nature of the account and removed it promptly, I fail to understand the reason for the delay in your bureau 's resolution of the same issue. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Removing the fraudulent account from my credit report without any further delay. The delay in addressing this matter is not only causing me undue stress but also poses a potential threat to my financial standing. I believe that prompt resolution is crucial to preventing further harm to my creditworthiness and mitigating the impact of this fraudulent activity.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024
Product: Mortgage

This is my third complaint on Compass bank ... Once again compass bank customer service is horrible. I want proof of payment! I am not going to take your word that the payments were posted without showing the amount! These transactions should be posted regardless of what the amount is! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX ( {$150.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$150.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

XXXX XXXX {$100.00} ) Posted with Unapplied funds eff. XX/XX/XXXX to satisfy payment. This does not show a credit of the {$100.00} I need to see the credit on my account. As far as I am concerned if I do not see a credit on my account that means it has not been credited! 

Compass bank said : Because the funds were posted along with previously unapplied funds, the transaction amount listed on the transaction history reflects the full amount of the payment that was posted at that time. 

This statement is unacceptable! What kind of bank does not show posted transactions? I am going to continue to file complaints until Compass bank posts all of my transactions! Once again I am not taking compass bank at their word. Show me the transactions on my history. If this is not settled I will report the three checks as fraud! 




XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00} XX/XX/XXXX REGULAR PAYMENT {$350.00} {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company by phone ( TransUnion )! Wanted to know why my credit score dropped XXXX points ( XXXX to XXXX ). The first person I talked to was trying to explain to me why credit scores drop!! I told him I know that, my question was WHY DID MY CREDIT SCORE DROP!!! I gave him all my info and he could NOT give me an answer!!! I then asked to speak to his supervisor!!! I think this XXXX was XXXX  than the first person I talked to!! He again said he could not tell me why my credit score dropped? I asked him if he was looking at my info on his computer!! He said he was, I then said WHY DID MY CREDIT SCORE DROP XXXX points!! He said I needed to talk to a credit counselor??? I did contact XXXX XXXX and XXXX XXXX! The only XXXX charges during this period!! Both said my accounts were paid off and I was in Good Standing!!! I don't understand how a company like this could destroy someone's credit without suffering severe financial penalties!! Also how, after identifying myself, they can refuse to give me an explanation what the XXXX they are doing, instead offering platitudes like I'm some kind of XXXX!!! I would like a complete summary of how this occurred and how it will be prevented from happening again!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXXwith concern to hard inquiries from Idaho XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letter to Department of XXXX XXXX  student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing my XXXX XXXX  account for some time and it started on XX/XX/XXXX where i sent my XXXX round of disputes to Experian. On XX/XX/XXXX i sent round XXXX round of disputes to Experian, with no response back. On XX/XX/XXXX I sent round XXXX of disputes to Experian, no response back. On XX/XX/XXXX I sent round XXXX of disputes to Experian, no response back at all and nothing since then.