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

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX  ( Original Creditor : CXXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX ) XXXX****,
Product: Debt collection

EOS CCA According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EOS CCA they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a XXXX XXXX  unfortunately they have not done so. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) if they have it on file for the alleged account. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, they must remove the accounts and stop reporting them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing you to bring to your attention a few discrepancies in my credit report that i am sure requires your immediate investigation as my information has been stolen and use to open a number of fraudulent accounts and loans in my name. Additionally these fraudulent accounts has been causing me severe emotional stress as i am currently in the process of buying a home for me and my family. I kindly request a thorough investigation into these matters and removal of all inaccurate information on my credit report. I understand that the Fair Credit Act ( FCRA ) mandates that the Information on my credit report be accurate and verified. I have reach out to my creditors who have informed me they have no knowledge or evidence of credit associated with them. 
XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX XXXX XXXX BALANCE {$1000.00} ) XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX  ( BALANCE {$850.00} XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX XXXX  ( BALANCE {$16000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX  ( BALANCE {$8600.00} LIST OF INQUIRIES 1XXXX  - Inquiry date XX/XX/XXXX 2XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX 3.XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 4.XXXX XXXX - Inquiry date XX/XX/XXXX 5.XXXX - Inquiry date XX/XX/XXXX 6.XXXX XXXX XXXX - Inquiry date XX/XX/XXXX 7.XXXX XXXX XXXX  - Inquiry date XX/XX/XXXX 8.XXXX  XXXX XXXX  - Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to Bank of America ( originator of supposed debt ). I provided Bank of America with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from XXXX listened. I have never held an account with Bank of America. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates Navy Fed XX/XX/2022, XX/XX/2022, XX/XX/XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/2020 Select Portfolio Servicing ( bank ) granted a 90-forbearance due to covid 19 hardship. Reduction in hours, school closures, office shutting down etc. During the forbearance period starting on XX/XX/2020 ending XX/XX/2020 o payments were due. However Only XX/XX/2020, Select Portfolio Servicing, then reported to the 3 credit bureaus that my mortgage account ( which they no longer had ) was over 60 days past due. THIS IS NOT THE CASE, under the Federal guidelines, NO NEGATIVE REPORTING WAS TO BE DONE TO CREDIT AGENCIES DURING THE FORBEARANCE. ( from Select Portfolio Servicing ). 
I contacted SPS, they told me they no longer have account information and would not take back the negative credit report. After several failed attempts with SPS ( select portfolio servicing ) to fix my credit report, I then contacted XXXX, and disputed this issues 3 times with them each time submitting documents that prove that SPS fraudulently reported 60 days past due on my credit even though a forbearance was in place. I received a letter back on XX/XX/XXXX from SPS admitted they reported incorrectly and would fix it, they never did. I supplied XXXX with these documents and now my credit report is even further damaged, it now shows incorrectly that I was 60 days past due on my SPS account in XXXX of 2020 even though i did not have that account open as of XX/XX/2020. Select Portfolio Servicing has broken federal guidelines during a forbearance and still as of today XX/XX/2020 has still NOT fixed my credit report.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be on my report. I never gave them written consent to report them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Paypal permanently limited my I account and will not release it for 180 days, there was a despute which I always fix immediately to avoid limitation to my account but they still went ahead and permanently limited it. On the day that I found out about my account limitation on XX/XX/2021, I immediately messaged them but all they did was answered me with auto-generated answers which doesnt really help at all. 180 days is such a long time to wait for the money, I would have understood it if it was only 3 months but 6 months is such a long time, no consideration for the pandemic either.
Product: Vehicle loan or lease

Apparently there was an error when I tried to pay off my loan through Toyota Financial Services, but Toyota Financial is not reflecting the true payment due on its website because of an IT error. I still have the money in my bank account, and I am afraid I will not be able to pay it off and the account will accrue interest. I really have no idea what is going on or what to do. XXXX Toyota Financial, I have called them at least 8 times due to different errors, and at least half were not able to solve my problems. Only a resolution specialist will most likely solve them properly, but they are nigh on impossible to get to because the customer representatives are usually mediocre and/or have little control, so the resolution specialists are flooded with requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I discovered a XXXX XXXX XXXX  Visa XXXX ( XXXX ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX and told them this account was not mine and that they should close it asap. 

The account has a XXXX  balance and they refuse to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. unrecognize auto loan hard inquiries. i do not recognized or gave my consent for the following auto loan hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a statement from XXXX XXXX for a debt of {$160.00} ( which statement was dated XX/XX/XXXX ). I reached out to the original creditor XXXX XXXX XXXX, XXXX and asked why this went to collections considering my account was on auto payments. Also, why I was never given a notice that this account was going to collections or so much as a bill for this account. I was told there was nothing the company can do from a woman named XXXX. That I would have to reach out to XXXX XXXX because it had already been sent to collections. I wrote XXXX XXXX on XX/XX/XXXX explaining all of these things and asked : 1. The amount and time period of the alleged debt.

2. The full name and mailing address of the original creditor for this alleged debt.

3. Documentation showing how they verified that I am responsible for this debt, or a copy of any judgment.

I also mentioned in this letter to cease attempting to collect on this debt until they had provided me with this information. 
On XX/XX/XXXX I received another statement from XXXX XXXX. I have sent this information to all 3 credit bureaus certified mail. With the exception of XXXX  coming back because of the wrong address. 
Until XX/XX/XXXX I did not receive a response from XXXX XXXX who has informed me this is no longer under their company.
Product: Debt collection

I have no contract with this company They have managed to keep this on my credit and this debt is not owned.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  I have no knowledge of this collector and debt that is owed.
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 violates the consumer financial protection act 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, the dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate red dress for these violations.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00}
Product: Payday loan, title loan, personal loan, or advance loan

i was apart of an XXXX data breach settlement and accounts were opened and i would like these accounts removed. 

3 accounts were opened under my name XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$10000.00} XX/XX/XXXX - {$6500.00} I have reached out to the company but this issue has not been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying unsuccessfully to cancel my subscription to Experian. 

I logged on to the website and learned that it is impossible to cancel it online. It instructed me to call the Customer Care Team at XXXX. I did so, went through all the steps of verifying my identity, and was given only options to ask questions about fraud or to obtain a credit report. There was no option to reach a human being, much less cancel a subscription. I repeatedly tried various approaches -- going through the menu for fraud, going through the credit-report menu, pressing 0, waiting on the line in the hope that a human being would answer. Eventually it would simply cut me off. I made three separate phone calls, verifying my identify each time and spending at least 20 minutes. I was never able to reach any Customer Care person or find any option to cancel my subscription. 

I went back to the website and saw that I could also email a request to cancel my subscription. I did so a week ago, and I have not received any response from Experian. 

I find it outrageous that a company makes it impossible to cancel a subscription. I am now going to contact my credit-card company in an attempt to stop further charges. I hope that the CFPB investigates and penalizes Experian for this unacceptable behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunion inquiry issue. 
Below is all that is affected : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding the inaccurate payment history on my credit report. To this day over 60 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been over 60 days so they should be deleted promptly. I demand these account to be updated or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.