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

I sumbitted a complaint and after the investigation they are still reporting inccurate information on my credit report.These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information. FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that TransUnion and XXXX promptly delete the inaccurate information from my credit reports. I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports
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 XXXX XXXX ... XXXX XXXX XXXX ... CREDITACPT XXXX that listed on my credit report. Further more, this account can not be XXXX % accurate as there are open dates they have listed on my credit report varies between the XXXX 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 reporting, credit repair services, or other personal consumer reports

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

Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than 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: Money transfer, virtual currency, or money service

I have purchased my {$400.00} bitcoin from coinbase wchich I suppose to receive by XXXX XXXX 2017 but transaction is still showinng pending and have not received aything yet. I send tons of messages to them but they did n't reply and also created many support ticket but nothing happened. Can you please help.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - KOHLS/CAPONE XXXX To Whom It XXXX Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account KOHLS/CAPONE XXXX XXXX my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account KOHLS/CAPONE XXXX. 
Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account KOHLS/CAPONE XXXX was initially established. 
Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account KOHLS/CAPONE XXXX. 
I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.
Product: Vehicle loan or lease

Repossession took place without prior resolution mail or phone call to inform me.
Product: Student loan

My name is XXXX XXXX XXXX I had previously submitted my XXXX XXXX to the U.S. Department of Education letting them know I'm XXXX due to a work injury on XX/XX/year> The injury is XXXX XXXX and painful It prevents me from working or being active, There are moments when I get very XXXX  from my injury at work, I get XXXX XXXX XXXX  because people talk about my XXXX XXXX XXXX at times I feel discriminated against by other people in public spaces I would like to have my student loans fully discharged due to my XXXX  XXXX and my XXXX XXXX
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX  XXXX / {$9400.00} / XX/XX/2022 XXXX XXXX / {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022
Product: Debt collection

I sent the following letter in addition to filing an Identity Theft Report using XXXX XXXX on XX/XX/year>. After not receiving a response in five days, I asked for the fraud to be removed from my credit reports filing requests with all three credit bureaus on XX/XX/year>. 

Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request Under 15 U.S. Code 1692g To Whom It May Concern, I am writing in response to your recent communication dated [ insert date of letter ] regarding an alleged debt. I am disputing this debt and requesting validation in accordance with 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : 1. Proof that you have the legal right to collect this debt : This includes the original creditor 's name, the date of the original agreement, and a copy of the original agreement bearing my signature. 2. A complete itemization of the alleged debt, including : o
The original amount of the debt o Any interest, fees, or charges added o The total amount currently claimed to be owed 3. Verification that this debt belongs to me, including any documents showing my responsibility for the debt.

4. Proof that the debt is still within the statute of limitations for collection in my state.

Until I receive the requested validation, I do not acknowledge or accept responsibility for this alleged debt. Furthermore, I request that all collection activities be ceased during this validation process, as required under the FDCPA. 
Please be advised that failure to provide proper validation within the time allowed by law will result in my reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general for investigation. 
I also request that all future communication be conducted in writing. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

I have two loans with Axos Bank that Ive had numerous issues with per the previous complaints that Ive filed. 

I have most recently been trying for weeks to get a balance payoff on the Heloc loan because Im transferring that to a new lender. Im not getting a response. 

And now the latest issue is that they appear to be holding my payments until they are in default. I confirmed with XXXX XXXX  that two checks were mailed to AXOS on XX/XX/2023. They are both set up as automatic payments and have been for many months without issue. But now, neither the primary mortgage payment I made for loan ending XXXX in the amount of {$2800.00} or the second payment made to the Heloc loan ending XXXX in the amount of {$730.00} have been applied towards those loans. Its been 18 days since those were mailed. I believe the mortgage will be in default as of today as that due date was XX/XX/XXXX. I have tried, without success, to reach customer service several times now for assistance to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX 3and my social security number is XXXX year of birth is XX/XX/1969 address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to remove all the 8 hard inquiries that affect my credit score. Off my report I've been victim of fraud. I spoken to them numerous times regarding this existing problem
Product: Debt collection

AFNI , Inc. submitted a collection to all the credit reporting agencies for a debt that I did not owe on behalf of XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they confirmed that there is no record of my ever having an account with them. I then called AFNI , Inc. and was told that there was an account. I told them what XXXX XXXX XXXX XXXX told me. AFNI , Inc. said that they could only go by what XXXX XXXX XXXX provided. In the meantime, I have an erroneous report on my credit record. I also filed a complaint with XXXX. I believe my information was obtained during the XXXX breech. Also, there has been a lock placed on my credit record for the last five years and there was never any inquiries from XXXX XXXX XXXX XXXX. Therefore it can be said that the information sent by AFNI , Inc. to the credit bureaus was deliberate and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries and addresses from my credit file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2020
Product: Credit card

Three years ago, I had a dispute with Kohl 's Department Store regarding a fee that they applied to my Kohl 's charge card. I was not aware of the fee until I tried to make a purchase and was denied. I went to the customer service desk and was told that the fee was applied for a late payment. However, I had a XXXX balance, other than the late fee and as far as I know had never made any payments late. I objected to the fee in the credit office however the attendant claimed to be powerless to do anything. So, I paid it and requested that my account be closed. Last week I discovered that the account was not closed and it is affecting my creditworthiness today ... I was refused a business credit card due to this blemish. I was refused while maintaining a XXXX credit score. I would like to have Kohl 's retract the late payment report and provide proof that my account is closed.
Product: Money transfer, virtual currency, or money service

I am filing this 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 an address fraud on their platform leaving my account, unprotected and vulnerable 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 address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative inaccurate information reported by Experian in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX XXXX with a wrong account number XXXX and challenge the accuracy, compliance and reportability of this listing. Please validate this information with Experian and provide me with copies of any documentation associated with this account, bearing my signature. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX That was financed with Santander Bank, At the time of purchase before signing any paperwork i was concerned about the payment of XXXX per month when my SSI was only XXXX per month knowing i could not make this kind of payment for a long period of time i spoke with Santander and there answer to my worries were settled when they explained if i made my payments for 6 months on time i could have the loan refinanced and it would most likely be half of the amount i was paying so i decided to go ahead with the deal and got a part time job to be able to afford the car. Then Covid hit the world and i lost my job so i called to get my loan refinanced and was told they didn't refinance loans and explained when i purchased the car i was told after 6 months i could and they replied yes with another bank or credit union. I then also found out while trying to get my car refinanced that i had only been paying interest nothing has brought the car amount down so i could not get it refinanced after all. So stressed out because i knew i had to get help or lose my car and my credit i called Santander explaining my problem so they offered me assistance because of the covid virus. So during that i went to several places to try to trade it in for a cheaper payment but that to was a dead in i was upside down over XXXX XXXX dollars so if i wanted to get out of the payment that's what i would have to come up with which was not possible. So i reached out to Santander again and they explained the there was nothing they could do for me either pay the payment or give the car up. Well that was not a option so while researching what i could possibly do i saw a article about Santander being sued so i read it and it was for the same thing they did to me to the tee ... Then i got the information and called and made a complaint but because the lawsuit was already settled for XXXX XXXX dollars i was not included in it. I felt i have tried everything so i contacted Santander again they still would not budge to lower the payment and to find out my loan had gone up XXXX XXXX dollars because of the assistance they gave me. I then explained that i thought that the government gave the money to companies to help consumers like me and quickly i was told i was wrong Then told that if i did not have the payments caught up by the end of XXXX they were charging it off on my credit. So i have since started back to work but not able to fix this long overwhelming problem so i have nothing else left to do but look for help because it was known from the beginning i could never afford a payment like that for a long period and i feel like they got over on me and every way i tried to fix it Santander had me blocked where it was never since the first day for me to get through this and they knew it.. So with everything i have been through i feel very wronged and no way to win ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet the XXXX Credit Bureaus refuses to remove me from being listed as 30 days late on the account on XX/XX/21. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the XXXX Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

XXXX  debtor  purchased an account and did not provide opportunity to validate. Did not provide any details as to how they obtained debt chain of title. Products received from XXXX are disputed and they are alleged to be Defective product. I have been willing to make arrangement to return defective product products. The debt buyer owns my debt, it generally must prove how it came to acquire it. The sale of a debt from one creditor to another is memorialized through an assignment in which the original creditor assigns ownership ( and the right to collect the debt ) to a new creditor. To be valid, the assignment must sufficiently identify your particular debt. 

Often, debts are sold and resold over and over again to a number of subsequent debt buyers.
Product: Debt collection

Collection agency has not provided validation of ownership of debt such as a signed agreement between myself and them stating that I owe the debt on any of these accounts they now own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Macy 's Credit but a late payment of my credit for a {$5.00} payment. 

It is now XX/XX/XXXX why is the late payment still reporting. 

I have begged Macy 's to remove this insane 7 year sentence over {$5.00} and they have refused. 

I have never been late prior to the incident or after. 

I have 100 % payment history until XXXX with Macy 's. 

Macy 's should be ashamed of its practices and its also my life 's mission to change the laws concerning how credit matters are reported. 

I am requesting to REMOVE THE LATE PAYMENT IT IS LONG PAST THE 7 YEAR SCARLET LETTER MARK.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy XXXX XXXX XXXX