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

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information Dear Experian Dispute Department, I am writing to formally dispute the inaccurate personal information that is being reported on my credit file. Specifically, Experian is incorrectly reporting the address XXXX XXXX XXXX, XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, which I have never lived at, nor have I ever used this address in any financial or personal capacity. 

Under the Fair Credit Reporting Act ( FCRA ) 1681c ( a ), credit reporting agencies are required to maintain accurate and up-to-date information in consumer files. Reporting incorrect personal data, such as an inaccurate address, violates my rights under this law and could lead to potential harm, including misidentification, fraud risk, and improper credit reporting.

Additionally, under FCRA 1681i ( a ) ( 1 ), I have the right to dispute any inaccurate information, and Experian is required to conduct a reasonable investigation within 30 days of receiving this dispute. If the reported information is found to be inaccurate or unverifiable, it must be corrected or removed promptly. 

I request that Experian : 1. Immediately delete the address XXXX XXXX XXXX, XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX from my credit file. 
2. Conduct a thorough investigation into how this inaccurate information was included in my report.

3. Provide written confirmation that the inaccurate address has been removed.

For verification, I have attached a copy of my drivers license, a recent utility bill, and a copy of my credit report with the incorrect information highlighted. Please update my file accordingly and send me an updated copy of my credit report once the corrections have been made. 

Failure to comply with this request could result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for violations of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have persistently reached out to this credit bureau in response to an account being reported on my credit report as a closed account stating I have a balance owed I have also reached out to debtor as well this information is incorrect the debtor nor credit bureau can provide me any info to support this debt is my debt nor provide my signature or provide method of verification of how account was verified this debtor received payment from XXXX XXXX and is trying to illegally collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother has credit card in my name charged {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX, XXXX These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics. 

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi I've been working for a XXXX XXXX company for one year and a half For XXXX XXXX, I can't make a XXXX XXXX for a person that is sending on behalf of another one that does not have an ID. Example : XXXX wants to send money to his wife XXXX, from USA to XXXX, but he doesn't have an ID, so he can't do the XXXX XXXX I want to know 2 things : 1- Can the owner of the store XXXX send money on a Customer 's account if he's not present, with his consent? 
2- Can the oner of the store create an account to send money to XXXX , with XXXX XXXX money? 

I have these doubts so I contacted you for an answer. 
Please mail me the answer to " XXXX ''
Product: Checking or savings account

XX/XX/XXXX, woke up, ATM card shut off, can not access account. Called support desk, stated it was shut off and they will mail me a new card, did not know when it would be sent. I said I can not access my account, they hung up. I called back, mind you, 2 hour wait times. Again, told account shut down, I asked why it was turned off before new was activated, said she did not know, I asked for a supervisor on the floor, she said, they do not have those and hung up again. Truist bank. I had to go to branch and close my account in person and to get my money.
Product: Payday loan, title loan, or personal loan

A few months ago I took out a {$500.00} XXXX XXXX MoneyLion loan. Upon taking out the loan they only advanced me {$120.00} of the alleged {$500.00} loan, and stuck the other {$370.00} into an " escrow '' account that I can not withdraw from until my loan was paid off. Last Thursday XX/XX/2019 ; I paid off the entire balance using my debit card ending in XXXX for {$380.00} at XXXX CST. According to the terms of the payoff, if you use your debit card, the funds from your escrow will be immediately available in your MoneyLion checking account. 
Well, my funds were not. I contacted the company now 3 different times and have been told a plethora of different reasons. I heard from the first call that the issue was on " MoneyLion 's side '' and that they would have to submit a ticket to the engineering team. On the second call on XX/XX/2019 ; I was told that it was submitted and I would get my funds. Today I checked my account and there is no money and the escrow account is still showing my balance of {$370.00} which is MY MONEY. 
Today I have asked for a supervisor several times as I did on prior calls and was refused the supervisor. I am instead placed on hold exceeding 30+ minutes straight until my life makes me hang up due to an onslaught of frustration.

This is FRAUD. MoneyLion has no contractual ability to hold my funds and yet they are not responding to requests to give me my money back. I want the feds to investigate them. A simple XXXX search shows a multi-million dollar class action against them for fraud and theft. 
They should not be able to operate in this country period!
Product: Credit card or prepaid card

XX/XX/2022 To Whom It May Concern : Charges have been wrongly charged to my account by the same merchant - 27 charges totaling {$12000.00}. 

The Fraud department stated that the Dispute department needs to fix this. 

The Dispute department told me that they could not help me because the ''case numbers need to be reopened ''. 

I was instructed by the Dispute department at Barclays to ask that someone please reopen the following case numbers so that each of these charges can be submitted for dispute. 

I have been trying for 2 months to get this resolved and my bill is due for {$12000.00} in 20 days. Please someone help me remedy this. 

There are 22 case numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please dont hesitate to contact me with any questions. 

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

I am filing a complaint against Cash App ( Block , Inc ) XXXX the inadequate customer service and unfair practices, which violates 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies in my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts to ensure accuracy. 

I am particularly concerned about the following accounts, which I request be verified as accurate : XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally requesting the removal of an eviction record associated with my name XXXX XXXX XXXX I believe this eviction is inaccurate and unjustified Under the Fair Credit Reporting Act I have the right to dispute any inaccuracies in my consumer report. I believe this eviction is erroneous for the following reasons eviction was reported for XXXX XXXX XXXX XXXX I lived at XXXX. 
I'm requesting a removal from my records
Product: Student loan

My loan just migrated to Navient in XXXX. I called at the end of XXXX and they could not give me payment information, they told me to call back in a couple of weeks. I forgot ( completely my fault ). On XX/XX/XXXX, I was prompted to log-in to Navient due to a concern about my loan. I logged in. My total due was {$10.00}. {$5.00} was due and {$5.00} was past due. I paid {$10.00} and received confirmation of the payment and that I was all set. A few days later, I get a text message stating that my loan needed attention. I logged in and the account status was past due in an amount over {$100.00}. I was confused and livid. I called Navient. I explained what had happened. The rep would not validate my story ( i.e. " Oh, I do see that it was {$5.00} per month '' ). He acknowledged that I paid {$10.00}. He said that I owed {$90.00} + per month. This did not make sense because I was past due for two payments totaling just over {$100.00}. When I explained that I could not afford this new amount due, he took my income and family size only, did not ask about any other expenses and offered a payment plan for a bit over {$40.00}, deferred until XXXX. When he finalized that plan, he said, as if a script " Your payment has been deferred, you owe nothing until XXXX ... at that time your payment will be {$5.00} ''. Then he said that the payment plan that I had been on with the prior servicer would drop off " at some point '' that he did not know. He said that the {$5.00} might change in XXXX. I have worked in consumer finance and I have never heard of giving a debtor a range of anywhere between {$5.00} and {$50.00} for a payment. I really feel uneasy dealing with this company.
Product: Money transfer, virtual currency, or money service

I wanted to send funds to my friend in XXXX and she suggested XXXX. I downloaded the app onto my IPhone. Next, I attempted to create a new account. My email address showed up as having an account already. I didn't remember having an account with XXXX, but I followed the prompt for 'forgot password. ' I was able to get the verification code and successfully logged in. I initiated a payment to my friend and something strange occurred- a different address popped up. I changed the address, thinking it was just a pre-populated example of an address or something. I confirmed the payment and then I saw a screen that showed me a different person 's name as the sender of the payment, as well as a different phone number. I saw the option to cancel and immediately selected it. The money has already been debited from my checking account in a pending transaction. I also received an email stating that my I called XXXX customer service and they confirmed it can take up to XX/XX/XXXX days for the hold to drop off. I am unhappy about that, but I am much more concerned with the safety of this platform. How could this happen? Who is the other individual? Were they using my personal email address on the company 's app? Is my email address linked to fraudulent activity? Why am I unable to create a valid account using my personal email address? I did not receive any satisfactory answers from customer service even when I escalated to a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX
Product: Debt collection

On numerous occasions portfolio recovery has called me ( repeatedly like numerous times daily ) saying I owe them money and if I don't pay they will file a lawsuit against me as well as threatening jail time towards me. I have mailed a few letters to them since they said I ca dispute by mail and in my letters I ask for the original creditors that I owe along with amounts due but I never get anything in the mail! Just more phone calls and then I recently received a sketchy paper in the mail saying I will be sued from them. I've been trying to fight with companies as I believe my identity had been used for a few things but this portfolio recovery company is absolutely horrible! Mind you, this specified company has a ton of lawsuits against them already for threats made against tons of people and have been ordered to cease and desist numerous times, they wont stop! 
These threats need to stop please
Product: Money transfer, virtual currency, or money service

Unable to speak to a live agent for assistance. Not properly investigating claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments  taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX
Product: Debt collection

This alleged debt collection for {$1500.00} from Healthcare Collections - I LLC popped up and appeared on my credit report last year. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. There has been no debt validation or verification provided to me concerning this alleged debt collection. I've requested all of the following with no response : -The original contract -Payoff disclosure -Interest Rate disclosure -Balance history -Payment history -Credit Insurance This company can and will not validate or verify this information for the simple fact that they, along with the original creditor, XXXX  XXXX would be in direct violation of HIPPA laws. I've disputed this alleged debt several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Credit card or prepaid card

American Express reported that my account had been settled on XXXX. They sent me a statement and letter stating I was past due on my account. I called today, XX/XX/19 to determine what was going on and paid the balance in full not knowing that they had already reported that the balance on my card was settled under my bankruptcy. Unethical ... all for {$130.00}.
Product: Credit card

My commitment to punctual payments is unwavering. However, I'm puzzled by the occasional reporting of late payments by this company, which doesn't align with my meticulous record-keeping. USC 1666b underscores the importance of promptly rectifying billing errors and accurately reflecting payments.
Product: Student loan

On Thursday, XX/XX/year>, Navient contacted my current employer. 

On Thursday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Wednesday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Tuesday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Monday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

Since Navient 's last response to my initial complaint, Navient has continued to consistently call me and has now escalated their harassment by calling my current employer. 

Per Navient 's last response on XX/XX/year> : " Please note that your account remains in a collection cease, due to the receipt of your original application. Therefore, we are not currently attempting to contact you or any cosigners for payment at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, Equifax, XXXX XXXX immediately. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX {$160.00} into XXXX XX/XX/XXXX {$1100.00} XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to bills i continued to receive in the mail. I have never heard from the place before, I immediately suspected identity theft. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX XXXX  and Experian and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX.