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

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( 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.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

\nI 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 listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has countless errors reported lost XXXX paid off they are reporting XXXX activity not valid and agreed to remove account. The account has been been removed over XXXX times from XXXX and keeps being readded each time it is readded I lose a major Tradeline now counting XXXX total for an account secured with my own money with perfect history for over XXXX years and under {$XXXX}?? 

They have now cost me over {$XXXX} this needs to be removed immediately
Product: Credit reporting or other personal consumer reports

I received an alert/alerts on XX/XX/2023 that I had an hard inquiry from Capital One, XXXX XXXX  and other financial companies regarding a hard inquiry that I did not authorize. I need them removed immediately as I didnt authorize the inquiry.
Product: Credit card or prepaid card

The Economic Impact Payment Card Issued by Money Network, XXXX, was stolen in U.S. mail on or before XXXX/XXXX/2021. 
I was unaware whether i get the card or check s I inquired IRS. I received the letter from IRS about XXXX/XXXX/2021 and i found out im getting the card. So, i requested the replacement card same day. Then I got the replacement card on XX/XX//2021 and found out card was emptied and had only {$1.00} left. The card was spent by suspect at XXXX store mostly the amount of more than {$2300.00} in 2-3 days, The police report was filed on XX/XX//2021 and the report was approved on XXXX/2021.The investigation was initiated by the police and I have talked to the private investigator. They looked at the security camera at the sotre but they couldn't identify the suspect. 

I filled the complaint to the card issuing company on XXXX/XXXX/2021 and I sent the police report and explained everything about what happened. but they denied my complain and didn't explain why my claim was denied. I filed the appeal for the denial on XXXX but after 6 months they haven't processed my appeal. I also refiled the appeal again on XXXX/XXXX/2021 but I got no response from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account MARINERFIN. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information, constant running of credit
Product: Credit card

I was offered {$200.00} in sign on bonus if I spend {$1000.00} in the first 3 months. I did so, and yet did not get any rewards so I called them up and they informed me that the terms indicated that I actually had to spend {$1500.00}. I am 100 % sure TD has messed up here. They are saying that in their day the spend amount indicated is {$1500.00}. 

I distinctly remember when applying online it was {$1000.00}. It is a very click bait and also very bait and switch
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically CashApp 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account pop up on my credit and I never sign with these creditors. I do not identity with these creditors
Product: Debt collection

XXXX XXXX, XXXX ; BY ITS SERVINGS AGENT ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, ANDXXXX XXXX XXXX KOHN LAW FIRM ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXXthese creditors are trying to collect a third party debt from me after I informed them that I do not pay third party debt collectors or their attorneys. I do n't know what the original debt was for or from, nor do I care.. Do not contact me, or any third parties regarding this or any other unsecured debt. 

Furthermore, I formally dispute the validity of this debt, due to the fact that several unsecured debts credit card, medical debts, and student loan debts, personal loans, cell phone bills, utility bills, bank overdraft charges, unsecured auto loans, payday loans and/or the like have engaged in the practice of selling and reselling the original debt for collection by agencies and law firms such as yours. This has the result of turning an single debt into multiple debts from various collection agencies all for the same debt plus costs, handling charges and/or the like assorted fees. 

I have informed them of this 2 times already. Now they want me to meet them in a Court commissioner office on XXXX XXXX, 2015. The attorney says that I am in contempt of court for not contacting her. I do not believe that America has a debtor prison or debtor prison collection system. Please have them leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this crooked Reporting agency fail to abide by congress law in reporting fair and accuracy information before disclose on my consumer report, they all so sided with the so call debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) and cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, XXXX XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$500.00} from XXXXXXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is crucial that you promptly eliminate this incorrect account from my record. I urge you to thoroughly investigate this matter and take the necessary steps to rectify this error as soon as possible. Your immediate attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. XXXX  was required to advise me that the accounts were being reinserted but never did. XXXX has repeatedly done this over the years and I have submitted several requests to remedy this situation.
Product: Consumer Loan

I am XXXX XXXX XXXX during the month of XXXX XXXX XXXX I purchased a XXXX Nissan Versa from XXXX and my car loan was handled by XXXX. I have recently become aware of the fact that allyauto has been ordered to pay back customers that were profiled and charged higher interest rates because of race and ethnic background between the years of XXXX. Being that I am a XXXX citizen and I acquired a loan through XXXX i am concerned that I may have been a victim of this XXXX way of business.
Product: Debt collection

Bay Area Credit and XXXX XXXX XXXX companies have received my number in error. They continue to call though I have explained their area and asked to be removed from their call list.
Product: Credit card or prepaid card

XXXX XXXX knowingly short-sold it's XXXX XXXX purchasing period. 

Fact # 1 : The glossy advertising and literature boldly and prominently states ( first page, first bullet point ) : " 6 MONTHS TO PURCHASE everything for your project** and in fine print " ** Period begins at approval. '' Fact # 1a : This point was also emphasized by the saleswoman. 

Fact # 2 : XXXX XXXX  XXXX XXXX ( and associated in-store credit card ) was applied for XX/XX/2018. 

Fact # 3 : My XXXX XXXX  XXXX XXXX XXXX clearly states " VALID THRU XX/XX/18. '' Fact # 4 : My monthly statements clearly state in large, bold, highlighted font, " On your Promotion Expiration Date,  XX/XX/2018, a new monthly payment will be calculated for the remaining 84 months of your loan. '' Fact # 5 : My purchasing window was closed by XXXX XXXX without notice on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, a lady named XXXX said she was part of the XXXX XXXX XXXX XXXX and implied she was part of the department of Education through FAFSA. She took my social security number and some of credit card information too. She checked my credit score without my consent and told me my credit score. She tried taking a five monthly payment of {$230.00} for the student loan and tried to get me approved and apply for student loan forgiveness and later Bidens debt relief of {$20000.00}. She is an imposter of FAFSA and many people could have been a victim of identity theft, like me. The fraudulent number is XXXX ( XXXX ) XXXX which is a number given on google that can be easily mistaken as the FAFSA number. XXXX said they are part of XXXX XXXX XXXX XXXX which is a fraud company, who has my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023, to remove the accounts that are UNKNOWN to me. The items have an erroneous status and it is detrimental if it remains in my file. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$3900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked this company multiple times to send the request information since XX/XX/XXXX. The company claim they sent it on XX/XX/XXXX. No information still. I'm requesting again the initial letter with the XXXX account information. In addition to the age of the account, the amount, the charge of date, the card agreement. Please uploaded it in this system. Note cease to desist. Any information reported to credit reporting agencies will result other remedies. 

Also, the company can't collect in the XXXX XXXX. No license. They not in compliance. XXXX claim they are. I have proved no license issues here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( 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 with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Name of Account : ( 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

XX/XX/year> XXXX XXXX, XXXX sent a verifiable request to ADVANCED RESOLUTION SERVICES INC by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/year> I received a letter stating additional information was required. All information required to request a full file disclosure was submitted with the original request. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from ADVANCED RESOLUTION SERVICES INC .
Product: Mortgage

First Bank mortgage issued a partial claims on my mortgage, and never sent me any paperwork about the final results. First Bank Mortgage acquired XXXX XXXX XXXX a debt collector in there company to harass me about the past due amount. First Bank Mortgage never sent XXXX XXXX XXXX  documents of the partial claims that First Bank Mortgage approved for my mortgage loan. Neither did I get a copy of the documents. Now, Im trying to sell my home, and the title company cant get any documents from First Bank Mortgage or FHA about the partial claims payoff. XXXX XXXX XXXX also cant seem to get the partial claim from First Bank Mortgage neither. I was supposed to close on my home on XX/XX/2022. Nobody can seem to get in contact with anyone at First Bank Mortgage or FHA HUD for a partial claims payoff. However, First Bank Mortgage and XXXX XXXX XXXX are trying to double charge me for the same past due amount. Some how the title company has a copy of the 2nd deed of trust on my home that I knew nothing about, and never received documents for the 2nd deed/ partial claim. I am a XXXX XXXX patient this stressful on me. I want the bank held responsible for their negligence and unprofessionalism
Product: Credit reporting, credit repair services, or other personal consumer reports

dispute the information in the credit report. 
The letter they sent was to a postal address of a PO Box in Puerto Rico in which I no longer receive postal correspondence because I do not live in Puerto Rico. Currently, I am living in the state of Texas about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in Puerto Rico could not send me to Texas the letter from XXXX, because Puerto Rico for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I accessed my freed credit report through all 3 bureaus. Equifax is reporting 2 accounts incorrectly. Both are with XXXX XXXX, 1 was closed in XX/XX/XXXX, which is over 7years ago. This account should be off my account. The other account is reporting a delinquent payment, which is not showing on the other 2 bureaus. This was a bank error and was fixed by the bank in XX/XX/XXXX. They reported to Equifax and the bank recently said they reported correctly and all 3 accepted the fixed. The bank is unsure why equifax as decided to revert back to the erroneous information. I tried to dispute through website and would not allow me to submit. My wife submitted her claim. I tried again today and again can not submit. My wife has yet to hear from them about the fixes and the error is still on her credit.