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

Address : XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I moved to my current address XX/XX/XXXX, I just signed another year lease. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Reported XX/XX/XXXX. I do not know this address, I never have been associated with this address. 

XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Reported XX/XX/XXXX I do not know this address, I have never been associated with this address. 

XXXX XXXX XXXX, XXXX, Texas XXXX Reported XX/XX/XXXX. I have never associated with this address ; I do not know this address and never have been associated with this address. 

In addition, XXXX has my name missed spelled. My name is XXXX ' XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been using E-OSCAR to continuously to verify these inaccurate entries on my credit report for 3 years! You or the collection agencies showed no proof verifying these dates belong to me. Please follow The Fair Credit Reporting Act Sections 609 and 609 stating that you must validate a debt by forwarding the original contract bearing my signature, DOB, SSN etc. Why is it taking three years if your obeying the regulations? Because you don ; t have the information needed to keep these inaccuracies on my credit report! 

I've played this game for three years! Obey the regulations. If Experian acts in good faith and adhere 's to The Fair Credit Reporting Act, these inaccuracies would've been removed in 2017 when they were first disputed. 

You're also acting in bad faith by not telling the consumer once an account is disputed online the consumer 's rights are waived, and are automatically stick with a debt that doesn't belong to them! 

Since you can't furnish the original contract bearing my signature, DOB, SSN, act in  good faith and remove these negative items from my credit report! 

Please forward the original contract bearing my signature, DOB, SSN, etc validating the debt belongs to me through this portal. I want the CFPB to see that Experian is acting in bad faith. How are these debts being validated? Anything you send to me, please send through your response to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX disputes on XX/XX/22 then again in XX/XX/22 via certified mail which were both received and within that dispute packet I included my identity verification docs, a police report from XXXX XXXX Police department because there were some accounts on my credit that I had no knowledge of, as well as errors that needs to be removed IMMEDIATELY! 

All the accounts that were listed on my police report remained the same with XXXX. The other XXXX bureaus found there were fraudulent and also fixed the errors. 

This is my third attempt to get XXXX to thoroughly review my credit report and remedy the issues, or I'm going to have to pursue legal actions because they are not abiding the FCRA laws. 

I will continue to document my efforts until these fraudulent charges and errors are removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX money was sent via PayPal to an individual for shipping a package, the package did not arrive. I notified PayPal to which their response was that I correctly sent the money to the individual.
Product: Checking or savings account

Hey navy federal was charging my account ( oops ) putting me in negative now I believe my account is closed
Product: Debt collection

Your Name XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XX/XX/year> Credit Bureau Name : Midland Credit management XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Credit Report Dispute for XXXX XXXX, XXXX : Dear Sir/Madam, I am writing to formally dispute an item on my credit report. After reviewing my credit report, I noticed the following discrepancy, which I believe to be inaccurate. The details of the item in question are as follows : Account Name/Creditor Name : Midland Credit management Account Number : NA Disputed Information : Please verify Information Reason for Dispute : I do not recall this information. 15 U.S. Code 1692c ( c ) I kindly ask that you update my credit report accordingly and provide me with the results of your investigation. Under the Fair Credit Reporting Act, you are required to complete your investigation within 30 days and notify me of the results. 
Please confirm receipt of this letter and provide a written response once the dispute is resolved. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

This is the third complaint I 've filed for this issue - I was instructed by a customer service rep at CFPB to file an additional complaint. A series of unauthorized transactions totalling {$870.00} hit my Bank of America checking account in late XXXX and XXXX of XXXX. Bank of America maintains that fraud could n't have taken place because my checking account information was used - in spite of the fact that I have reason to believe these numbers were compromised. Bank of America refuses to acknowledge that a checking account number could be stolen and used in a fraudulent matter. This is ludicrous. Additionally, I had an ATM not dispense funds for a total of {$200.00} - Bank of America also refuses to acknowledge this and maintains that they have no course of action to help with this. Finally BofA closed my account and refuses to tell me why other than to say that it was because of my claims - they did this with no warning and with the account holding a positive balance. They wo n't even tell me when I can expect to have a check for the funds that were in my account. I 've feel that I 've been targeted for filing a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in writing to RBFCU on XX/XX/16. I have not received a follow up to the dispute and contacted them via phone to discuss and have not been told anything. 

I called again today to see if they would reverse late fees on my account since I don't feel as if I was properly notified of the status of my account and that I believed an error in auto draft settings caused the issue. The RBFCU agent advised that they are not liable for system issues since I was auto-drafting from another bank and that they don't recommend auto-draft. I should be able to trust that banks will err on the consumer side when these issues arise. 

I also sent my dispute in writing and was told I had to send it through another method for it to be addressed instead of them forwarding the message along. This caused additional delays in getting this issue resolved. 

I believe RBFCU corporate is intentionally refraining from notifying customers of accounts with auto-pay issues because they profit from the late fees. Then they make the phone reps tell customers the company has no ability to manage the auto pay for the accounts they manage.
Product: Mortgage

I have attempted to contact this company numerous times to rectify my credit report for two different mortgages on my account. XXXX ) XXXX XXXX XXXX XXXX XXXX AZ XXXX and XXXX ) XXXX XXXX XXXX XXXX XXXX AZ XXXX. Both accounts were on auto pay and they were removed XXXX added. I attempted to contact customer service and they advised it was fixed They then advised there was an issue with my bank account but when we reached out to my bank directly they stated there was nothing wrong with the payments. I was advised by agent they were fixing both accounts. Since then the account for XXXX XXXX was paid in full. There are still XXXX late payments showing on my report that they refused to fix. I am also still showing late on XXXX mortgage. I can not get a hold of anyone to fix it or speak to directly regarding this matter. NO one ever returns my call.
Product: Debt collection

There's is a derogatory mark on my credit report with XXXX Opened On XX/XX/2018 XXXX XXXX XXXX XXXX  in XXXX, OH reported a balace of {$6000.00} on my credit which I believe it was as a result of an identity theft. I have never lived in that apartment or neither have I sponsored anybody to live there. As a result of that Fabco  ( Debt Collection Company ) has been harassing me to pay the amount in full that I dont have any knowledge of. 
Fabco contact info XXXX XXXX XXXX XXXX OH XXXX Hope to see my credit restored as soon as possible l. 
Thank you
Product: Mortgage

I was paying XXXX I received a letter that I have a shortage of {$7000.00} that I can pay it with in a month otherwise it will be collected XXXX/XXXX/2016. Once during this period you required escrow account balance be reduced to {$1300.00} as shown in XXXX.this amount representative cushion selected by us as allowed by your mortage contract as projected escrow account balance - $ XXXXand my required begging escrow according to this analysis should be {$2300.00} Im in shock how is it that mu payment went from XXXX to {$2300.00} Because
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

My cash app card was locked by cash app supposedly because of two elements 1 ) said to be because of a new device ( cellphone ) noticed 2 ) because of a location area. I moved from XXXX Florida to XXXX  Florida.? I also followed the cash app support instructions and sent them all required documents, my State ID, paper work forms that show my residence with my case managers stamped and signature on the forms, also I verified my new device ( cellphone ) as required by cash app online website. Since the first week of XXXX my cash app card is still locked and after sending all my required documents to the cash app safesend website as they instructed and all marked submitted successfully, all i continue to receive is the same results as of XX/XX/XXXX that case escalations will notify me by my email address when information is available. Also I have many times spoken with cash app phone representatives and informed many of them about the situation including my recent social security payment to me that has been sent back to the sender. I have not received any results from the cash app service representatives other then the repeated reply that the cash app specialist are working hard on the case, since XX/XX/XXXX they repeatedly have been unable to provide me with any results and my cash app card remains locked since XX/XX/XXXX and recently my social security payment was sent back to the social security senders department. I have no income and my cash app card remains locked.
Product: Debt collection

There is a collection agency trying to collect from me for something I do not owe. They sent me a letter on XXXX of XXXX. They are called FCO. They say that I owe money to The Reserve at XXXX XXXX XXXX XXXX because supposedly I didn't give them a 30 day notice. I did give them a 30 day notice in writing on XX/XX/XXXX and said I was going to move out on XX/XX/XXXX. 

I did notify them later that I was going to move out a bit early on XX/XX/XXXX of XXXX but that does not mean I didn't give them sufficient notice and that does not mean they can charge me rent for XXXX of XXXX a 30 day notice in XXXX means I am covered as long as I move out by the end of XXXX. Later I try disputing this account with FCO but they say I owe it still. I asked them for proof of why I owe money and they sent me a packet with lots of paperwork. 

I then study this paperwork and find many mistakes or bogus charges. First they send me pictures that are black and white and very grainy. Also both sets of pictures are before pictures. What are they trying to show me with grainy black and white before pictures? Next I notice they didn't even get any signatures for the walkthrough and they don't even write anything on the form. How can they try to accuse me of anything if they don't write anything in the walkthrough form? They claim to have an online form, but if they do that is written or typed up when I am not present and can't be legal as they can write whatever they want and im not present to agree or disagree with what they are writing. 

They then try to charge me rent for insufficient notice on XX/XX/XXXX of XXXX the day I move out. They then try and charge me lots of things up until XX/XX/XXXX of XXXX. Like I said earlier, I gave them a move out notice in XX/XX/XXXX. Why are they trying to charge me for XXXX? I try to dispute this for several months and everytime the collection agency does not care. They keep the account on my credit report and are damaging my credit. I then call FCO on XX/XX/XXXX and I ask them to stop collecting this account as I gave the apartments sufficient notice. FCO asked me to send them proof by fax. They said fax to XXXX. I did so twice just to make sure they received it. Now it is XX/XX/XXXX and I still see it on my credit report and they have not responded to me. What do I need to do to get them to stop? They are trying to cheat me and they don't care. Please stop them from collecting this bogus debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to Experian Credit Report ; in the XXXX and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the  card has not been paid since it was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three credit bureaus police reports all of my identification for items that are listed on my credit that are erroneous. They keep asking for stuff like the email showing that the police report was indeed approved Im on other frivolous things that I have nothing to do with getting these items off of my credit I have A new police report in three days ago that they shouldve received by now and I do not want a reinvestigation already said the police report in in these items were to be removed immediately and its been over 90 days I just want the items listed on the police report that I have attached removed from my credit from Experian XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had an installment loan show up on my credit report from XXXX  XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 25 HARD INQURIES ON MY EQUIFAX THATS NOT MINE EVERY TIME I CONTACT THEM THEY TELL ME IT WILL BE DELETED IN 24-72 HOURS I BEEN DEALING WITH THIS ISSUE FOR MONTHS ALSO THEY KEEP TELLING ME ABOUT A FTC REPORT AN THEY NEVER SENT I ALL 2020 ALSO I HAVE A ENTERGY BILL ON MY REPORT THEY REMOVE THAT ACCOUNT AND THE 25 INQURIES OF MY OTHER REPORTS ONLY EQUIFAX GIVING ME A HARD TIME IM TRYING TO GET BUSINESS FUNDING LOST EVERYTHING DURING THIS PANDEMIC
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

All XXXX Credit reporting companies have the wrong addresses, names, and other information.. My report should one name and one address, and all information should be correct.

XXXX