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

I am writing to dispute the accuracy of the information listed on my credit report that was issued by the 3 credit consulting agency. According to my review of the credit report, there are several items that are factually incorrect and need to be corrected as soon as possible. 

A previous investigation does not satisfy the fact that your issued reports shows a lot of contrary details from among credit bureaus on these mentioned accounts below : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] Thus, I am requesting that you must remove or correct the information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card or loan an open-end consumer credit plan as late for any purpose. 15 USC 1681a ( 2ai ) states under exclusions, the report contains information solely as to transactions or experiences between the consumer and the person reporting. 

I have reached out to both companies in hopes of resolving the matter with no success. All accounts are paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a dispute with each bureau and it has been more than 30 days
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I attempted to send two XXXX transfers to my daughter XXXX XXXX. The first amount was {$1000.00} and the second amount was {$900.00}. This was a gift for her closing costs on a home she and her husband were purchasing. The month before I sent my daughter {$100.00} for her birthday and it was delivered to her account. She received the money with no problem in XXXX. I used the same exact information to send the money in XXXX and it was delivered to another person, who apparently had her old Phone number. It clearly says payment delivered to XXXX XXXX who is my daughter however, in the XXXX notes it says that the money was delivered to someone registered as XXXX. I have screen shots of that information. USAA informed me that the receiving bank refused to return the money although it was not intended for their member. USAA also said that XXXX would not work to resolve the issue. The person on the receiving end didnt care to do the right thing, neither did either of the banks nor XXXX XXXX We are at a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card

I installed XXXX A/C wall units and service provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX The credit is by Synchrony. A financing company told me that attach a lien to my property. I had never missed a payment at all. Neither did XXXX XXXX XXXX DISCLOSED this when I signed up nor any information by Synchrony. 
I plan to sell my home and this will create a problem to sell my property. 
I called XXXX XXXX XXXX XXXX and staff DENIED and I called Synchrony and staff ALSO DENIED it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account removed from my credit report that should be still reporting. Removal of this account had a negative impact on my credit score and worthiness as this account was paid on time and in full.
Product: Credit reporting or other personal consumer reports

this account is fraudulent and this is my 3rd complaint. in never signed for a car and i wasn't employed when this account was opened XX/XX/year>2021. this is a scammed and the dealership is at fault. i have no knowledge of this account i am a XXXX XXXX  and im being taking advantage of because im alone .I 've been XXXX for 10 years. i haven't worked. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX XXXX business account # XXXX XXXX XXXX XXXX that has been deleted XXXX. XXXX 2018 from my personal profile, after confirming & verifying as being a business account. Recently it's been reinserted again with a new account number ending in # XXXX which was the replacement for the original card which was shut down for fraud. Experian was made aware of it and has not yet removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX DEPTEDXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX Has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This plumbing company tried to bill me for 4 hours to unclog a main line in a 3 family I XXXX They were not able to unclog and said I need to hire them to excavate and do a XXXX repair. They said they tried everything. I asked them to use a blow bag. They did not. They asked me to go get a shop vacume so they could try to XXXX out the blockage. When I returned with the vacume he did not try to XXXX out the clog. It was clear to me that I was getting upcharged to do a repair I didn't need.. I had to put my tenants in hotels for the night. The following day another plumbing company used a blow bag and quickly cleared the line. It took less than an hour and about {$300.00}. Do I need to file a 93A complaint for 3x damages?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System XXXX Date opened : XX/XX/year> Balance : $ {$1600.00} Account is not mine. It was removed and came back as open collection years later. The collection agency had no right to obtain my credit report and tarnishing my integrity. I have been in no communication with them and it's a violation of 15 USC 1861.
Product: Student loan

I submitted a complaint about  XXXX   XXXX  of  XXXX  trying to charge me almos st 5,000 do llars for attending their school for a few weeks. Now they have a company calle d Williams and Fudge hara ssing me.
Product: Mortgage

I purchased a home from Home OwNers Financial of America in XX/XX/2022 and then refinanced it as the rates were still low and I was saving over $ XXXX monthly. Shortly after the refinance was completed, I was supposed to receive my escrow balance and overpayment of the payoff amount. It has been more than 2 months since I have received anything. They intentionally keep delaying sending our check with various excuses made. At first, they said a check will be sent out on XX/XX/2022. It never sent out. Then an email came that a check was being sent out on XX/XX/2022. It has still not arrived. This is highly unprofessional. As a provider of financial services, this is blatant action of harassment by the mortgage company to withhold our hard earned money. It has been over 3 months now. 

Loan Payoff - Loan # XXXX XXXX XXXX XXXXXXXX Homeowners Financial Group XXXX ( XXXX ) XXXX Toll Free ( XXXX ) XXXX SENT BY : E-mail Address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX 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: Checking or savings account

I found this statement XX/XX/2022 on my account wanted to see the details of transactions deposited withdraws XXXX... In more detail but chase won't do it
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX COLLECTION SVCS ( Original Creditor : XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

Good afternoon, In XX/XX/2022, I signed up for a US Bank " cash back deal '' that was sent to me through an email. The cash back deal stated that if I made a purchase of {$100.00} or more from XXXX XXXX XXXX, that I would receive {$35.00} cash back. 
I made the required purchase on XX/XX/2022 for {$100.00}. I never received the cash back, even after contacting US Bank twice. I believe this is an Unfair and Deceptive practice by US Bank to not follow through on their offers.
Product: Debt collection

I received a call on my work cell phone at XXXX on XXXX/XXXX/16 from an Oregon XXXX XXXX. A voicemail was left from a female named XXXX XXXX stating that she was following up " on a potential claim that was in her office '' At no point did she identify the company she was calling from. I called the number back and was greeted with " hello '' I stated that I just received a call and was immediately transferred to XXXX. Again, at no point in time did XXXX identify the company she was calling from. After discussing a debt from American Web Loan, I stated that I would be willing to discuss a settlement offer. At this point I was transferred to XXXX XXXX in the " settlement department ''. At this point, XXXX proceeded to discuss a settlement offer. When I refused the offer and attempted to negotiate, XXXX stated that I had no grounds to negotiate and proceeded to tell me that they would be contacted my employer for garnishment and pursuing judgement against me. As I attempted to inquire further, XXXX stated that 's all I need from you and hung up while I was still speaking. I called the number back and spoke to a male that answered the phone. I asked for the name of the company and the names of the XXXX individuals I had just spoken with. The male called me by my full name as soon as he answered the phone. He did state the name of the company as Alliant Capital Management Services. He refused to give the names of the XXXX women I had just spoken with stating that he could only see extension numbers on his end. I then had to question if all employees shared the same extension numbers or they were assigned. He still refused to give me the names of the individuals I had spoken with. I have received a previous call form this aggressive collection agency in XXXX 2016. At that time I updated my contact information to include my cell phone, work cell phone, and address. In XXXX I did request a written invoice of all charges and interest that this company was trying to collect. I did not receive anything in the mail. I have not received any written request concerning this debt in over 12 months. I will be sending a cease and desist letter to this company.
Product: Vehicle loan or lease

This should be removed immediately! It's been 8 years and repos are supposed to be removed 7 years. I voluntarily gave up the suv bc it kept dying on me while was DRIVING it. I want this removed within 15 days COLONIAL AUTO REPOSSESSION/FORECLOSURE Auto Loans {$4300.00} Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Amount Past Due {$4300.00} Account Details Account Type Auto Loan Responsibility Joint Original Loan Amount {$7700.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$4300.00} Date of Last Payment XXXX XXXX XXXX  Monthly Payment {$250.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is reporting that I owe a debt, but I never had an obligation with this company. Please send me the forward flow agreement as I have this right as a consumer. I will also like a copy of the contract bearing my signature as well as a copy of my proof of identity. Also, this account was added to my report within the last 30 days and I was not mailed anything prior informing me of this. Please attach the letter that was mailed to me. If you can not furnish the information requested remove the following account from my credit report immediately : XXXX XXXX XXXX In XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit reports, even after your Investigation. I would like this immediately re-investigatedXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated a copy of my updated credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified XXXX, XXXX, and TransUnion about a Federal Violation about my consumer report. 15 USC 1681b Permissible Purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report. No Consent is Identity Theft. A copy of the LAW is attached with this dispute letter. 
Concerning the account listed below as a consumer, I am demanding a deletion of this account. 
XXXX XXXX XXXX  ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

According to XXXX USC XXXX c you have violated my rights by in lawful communications. Please remove this collection off of my credit report. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt with the purchase agreement and has the legal authority to collect it or delete this account. Thank You in Advance for your Cooperation to this matter.
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 m 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 for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following debts and personal information inaccuracies on my credit report from. I request validation and verification of the debts and correction of the personal information errors, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Debts in Question : - XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - TOTAL XXXX XXXX XXXX  Inaccurate Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Inaccurate Address : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX FL XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inaccurate Phone XXXX : XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular Under the FCRA, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information based on the results of the reinvestigation. 

Additionally, the FDCPA grants consumers the right to request validation of a debt and requires debt XXXX to cease collection activities until validation is provided. 

I request that all collection activities related to the disputed debts cease immediately until I receive the requested documentation and the debts are validated. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues within the XXXX timeframe stipulated by the FCRA. 

Best,