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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts listed are closed with no amounts or Account number XXXX with a balance of {$0.00} and there's a duplicate with the same alleged owed amount of {$0.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Vehicle loan or lease

I gave tried to request information from the company about a vehicle I had through them and they want give me no information at all
Product: Mortgage

I filed a complaint previously, XXXX, because they changed the interest rate from fixed to variable. They commented on XX/XX/XXXX that they had fixed the interest rate. I have a loan modification that states my payment is {$370.00} and they are now trying to tell me that I have to pay {$370.00}. They can not change the terms of my loan. I called on XX/XX/XXXX and spoke with XXXX XXXX who was supposed to be getting me to the XXXX department. I was transferred to XXXX XXXX who told me there is no XXXX  department. She opened a case for the payment amount, XXXX. Called on XX/XX/XXXX and spoke with XXXX XXXX in Customer Service. He tried to transfer me to XXXX XXXX saying they handle the HELOC. XXXX XXXX would not take my call because they show the account is delinquent. I have not made any payments because they have the amount incorrect. If I make a payment, it will not be applied properly. As soon as they have the payment corrected, I will make all payments. XXXX then tried to transfer me to escalations and was connected to XXXX XXXX. She said she is the one that spoke with me XX/XX/XXXX and remembered the conversation. She was supposed to call me back. I neve received a call back. I called again on XX/XX/XXXX and XXXX XXXX filed a complaint and reached out to XXXX who said she had not called me because she had not heard anything. She said she would get back to me when she hears something. I called back on XX/XX/XXXX and spoke with XXXX XXXX who said XXXX was not in. XXXX put in a request to have the complaint escalated since there was still no response since XX/XX/XXXX, reference number XXXX. I still have not received any response and the payment amount is still showing {$370.00}. I received a letter stating that my account is past due and how to file for a hardship. I need for Shellpoint to correct the payment amount and remove any delinquencies on the account and with the credit bureaus. I will make all payments due as soon as the payment amount is corrected.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for an increase of credit limit with American Express, for my Blue Cash Everyday Credit Card. On XX/XX/2022, my request was denied.
Product: Debt collection

I spoke with a representative on XXXX/XXXX/2015 from EOS CCA she advised me that I was billed in error and that the debt would be removed from all three credit bureas. She also provided me with a telephone number to follow up with XXXX XXXX XXXX ( XXXX ) XXXX. I called this number and it was disconnected so, I contacted EOS CCA again and spoke with XXXX with Consumer Complaint who advised me to send them a email or fax for the phone conversation to be investigated. They have been billing me for several years and after numerous credit bureas disputes they are still knowingly reporting misinformation for a debt that does not belong to me. I received a bill under XXXX XXXX which is not my name and or debt. I would like to have them remove this debt from all three bureas immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 chime credit card bank report balance to XXXX  that is not true. There has not been a balance on my account since XXXX this is false reporting
Product: Money transfer, virtual currency, or money service

PayPal advertised that using their direct deposit service would be " quick and easy ''. The IRS said my money would be deposited on XX/XX/XXXX. Well it wasn't there. After endless hours trying to find any kind of help, assistance or information for the lack of funds. Finally I found in there's help page that we were going to have to wait 3-5 business days to see our funds in our account. Im still waiting. There's a ton of us still waiting. PayPal is obviously profiting off this, while some of us are starving and stressed over our situation and circumstances. Shame on you PayPal. Their effort toward " helping everyone '' is not charging the check cashing fee. Well last I heard, direct deposit isn't a check..
Product: Credit reporting

In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to ALL CREDITORS I have attempted to contact all the companys involved many times to have our credit information to be updated. Our Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by and my credit score impacted further- this is in VIOLATION of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry on my XXXX XXXX credit report is fraudulent, unauthorized and not mine. I never applied for an auto loan with Ally Financial.
Product: Mortgage

I just realized this just now. 

The cash to close on the closing disclosure sent from the country place mortgage to the CFPB on XXXX was {$590.00}. 

The cash to close that we were told during closing with XXXX XXXX with country place mortgages information on the earnest money contract that we signed XXXX. States that we needed to put down {$7300.00} to close on top of the {$1000.00} deposit that we had already paid. 

They also were requesting this money XXXX when we closed on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I purchased swim lessons for my girlfriend at XXXX using my American Express Gold card. Eventually, we cancelled the classes. However, the company continued to charge for the classes ( actually double charged us ). There were two charges, for {$78.00} and {$130.00}. Both the company and American express refused to refund the charges even though we cancelled the services after a couple months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are reporting are inaccurate, I do not live there nor can I be reached at these addresses. I tried disputing these addresses, however I have had no success. I am trying to prevent fraud, the individuals living at the listed addresses are receiving my personal information.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX DATE OF INQUIRY : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I am not liable for this debt with CREDIT COLLECTIONS SERVICES. I do not not have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.
Product: Money transfer, virtual currency, or money service

I used Venmo to send money to a contractor for window replacement services at my house. I sent him {$13000.00} as a deposit. Not long after this transaction, the contractor found out there would be a problem sourcing the materials. So he promptly returned my payment of {$13000.00}. This left me with a deposit of {$13000.00} in my Venmo account. I tried to transfer this back to my checking account, but Venmo informed me that I have a limit of transfer to my bank of {$4900.00} per week. This means it would take 3 weeks to fully withdraw all the funds in my Venmo account, so I left the money in Venmo in anticipation of needing to send it to the contract at some point in the future. 

After XXXX hours of work, the contractor was able to secure the materials for my project, at which point I attempt to resend the {$13000.00} via Venmo. Venmo declined this transaction multiple times, so contacted their support and chatted with an agent for about XXXX min. The agent informed me that I had zero options to be able to get my money or to send it to anyone because the transaction was blocked by an automated security system. I asked multiple times to escalate the matter, but the agent informed me that this was futile because the company did not have a process to override the automated action and that no amount of escalation would resolve this.

Essentially, Venmo is now holding my money hostage, and they can't even tell me whether I will be able to complete the transaction at a later date. I find it abhorrent that they don't even have a process to override an automated system, which has the effect of preventing a user from accessing funds. I would say this is theft of my money.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concern about certain information in my credit profile. It seems there might be inaccuracies, and it's crucial to follow credit reporting laws that require entirely accurate credit information. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX - Original Creditor : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Credit card or prepaid card

As of XX/XX/2020, I been cheated on an item I sold through sopposebly PayPal, it was referred to XXXX I mistakingly thought they were saying truth, but they didnt they made me follow instructions on an email, thinking it was PayPal and asked me to buy a XXXX visa gift card of XXXX dlls, I did call XXXX card reporting number they gave me a case number which is XXXX. The person said his name was XXXX XXXX, then he said his name was XXXX, and XXXX he was eventually lying. please help me identify these scammers. They have this phone XXXX ( XXXX XXXX XXXX reach them they say there men but the owner of the phone is a woman ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all of the following debt In accordance with the fair Credit Reporting act Account number XXXX XXXX XXXX XXXX was added I was not notified of this unknown debt has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any erroneous accounts should be deleted from my credit report. Could you review the documents? There are inaccuracies in the reporting, including incorrect amounts and dates for some accounts.
Product: Credit card or prepaid card

My problem concerns closure of my credit card in the month of XX/XX/2019 with Capital One through no fault of my own. 
The problem occurs because the company refuses to give me my accumulated cash back in the amount of {$490.00} that has been accrued over the last several years. 
The company has indicated to me that that once an account has been closed they can not go back and issue money from that account to satisfy my claim for my money that was accrued in my account, This is tantamount to stealing my money that has been accrued by me over time. 

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

Equifax and  XXXX  are not responding to my requests to investigate and remove one account from my credit report that does not belong to me.
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 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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$900.00}, {$6000.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX