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

Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX  XXXX Bank account tried paying off refuse to give information bank to the run arounds XXXX  XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..Experian, XXXX, XXXX XXXX won't even release any of my information to me.
Product: Debt collection

I was contacted around XX/XX/2015 regarding a XXXX account which, in my best knowledge, was owned by my father, XXXX XXXX, when we used to live in an apartment, XXXX XXXX XXXX XXXX XXXX a couple of years ago, TX XXXX. My father is a senior citizen, so since I take care of many of his day to day needs and business, I used to make payment to his dish network account using my credit card information. 

I was contacted by this collection agency first time ever. The representative mentioned the XXXX account like it was mine, so I told him it was under my father name, XXXX XXXX. Then he said, I had been paying his bills. I told him, I used to make payment, behalf of him using my credit card information. 

This collection company using illegal tactics to collect a debt. XXXX XXXX never tried to collect the due balance from me by trying to make me liable for the remaining balance. 

Collection company report the due balance to my XXXX XXXX credit report. I am a very responsible homeowner and have had a mint credit history. 

A notarized statement from my father could be provided upon request that it was his account and I was n't liable for it to begin with. 

My father lives with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon notice of derogatory account in the amount of {$550.00} ; I submitted a written complaint to both TransUnion and XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Original Creditor balance show {$0.00}. XXXX XXXX XXXX reported false information to TransUnion to damage my creditworthiness after the purchase of a vehicle stating I owe their collection agency {$550.00} since XX/XX/XXXX. Their actions has a high impact on my credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

My vehicle was declared a total loss in the XXXX XXXX, LA floods. My insurance made a short insurance payment for XX/XX/2016 ; there was still a remaining balance of roughly XXXX to be covered by gap insurance. I reversed my automatic withdrawal car loan payment for XX/XX/XXXX because I thought the insurance payment of XXXX would cover it. Now Chase bank has reported that I am behind on my car payments and this is unfair. Please help me. I 've never missed a payment on any of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts 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 has violated my rights. 
I have the following rights as a consumer : 15 U.S.C. 1681 Section 602A. I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : A consumer agency can not furnish my account without my written instructions 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 that the information is inaccurate.

I have reviewed the information across all three credit bureaus and found numerous inaccuracies in my accounts across all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I have been a victim of a data breach and subsequent identity theft. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 
1681c-2 ( a ), I am seeking to have the following unauthorized accounts and inquiries removed from my credit file. 
Fraudulent Accounts XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX - Filed XXXX XXXX - Balance XXXX XXXX XXXX XXXX XXXX Case Number : XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries XXXX XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX - Date : XX/XX/XXXX
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 an~ 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: Debt collection

XXXX  XXXX  has assigned CBHV ( Collection Bureau Hudson Valley ) collection reference no XXXX, Account # XXXX, Collection amount {$39.00}, I was XXXX XXXX  customer for years, in XXXX i moved to a different location where they didn't have XXXX  rather that place had XXXX  therefore i called XXXX  disconnection dept to get the internet disconnected a week earlier from the last day i had already paid them for the month do disconnect in advance, they asked me my new address and confirmed that they do not operate in that area and after all said and done they refuse to disconnect my internet on that specific date as i had the no contract internet which i can disconnect any time as per terms and cons of XXXX, i had to spend 1 hour arguing that why are you forcing me to call at later date as i have the right to disconnect today, after all said and done they did not disconnected the internet on that day and closed my account next month, after a 2 months i have received debt collector letter to pay amount or they have written in big bold letter that it would be sent to your credit beuro, i disputed this charge but they are not even bothering to listen or respond and keep sending robo calls on my phone nos harnessing me to pay or it would be sent to credit beuro
Product: Mortgage

I received authorization, agreement and approval for a Dept of Justice National Attorney General Settlement loan modification from XXXX XXXX XXXX including terms, interest rate and specific amount of principal reduction of {$70000.00}. See Attachment A. My loan was sold to BSI Financial Services who as my new servicer is obligated, instructed and Mandated by the Dept of Justice Consent Decree to honor the terms for permanent modification from XXXX XXXX XXXX. See Attachment XXXX pages XXXX XXXX. 
Upon agreement and confirmation by BSI that I successfully complied with and completed the trial period BSI sent permanent modification documents with terms that differ from and DO NOT adhere to the XXXX XXXX XXXX Terms as mandated by D.O.J specifically as indicated in Attachment A the principal amount reduction should be {$70000.00}. This Principal reduction promised under terms proposed, offered, accepted and agreed to from XXXX XXXX XXXX would result in an amount payable under the new BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. However the principal reduction/foregiveness provided in the BSI is only {$64000.00} ( LESS than committed by XXXX XXXX XXXX terms ( terms which BSI is mandated by the Consent Judgement to honor ) - this results in a HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}. See Attachment labeled OLD noting points B and C. Upon me pointing out that they were out of mandated compliance to " honor permanent loan modification agreements entered into by the prior servicer, '' and providing for a XXXX time the XXXX XXXX XXXX XXXX ( Attachment A ) BSI remitted revised documents which make no correction, provide no remedy and still do not honor the committed terms of XXXX XXXX XXXX. In fact the new/revised loan modification document sent as a result of me raising this concern, here labeled as NEW, appears deceptive, lacks transparency and includes only a disingenuous edit of simply eliminating the wording related to the principal reduction/foregiveness as attempt to not address the matter and to intentionally edit out/eliminate reference to principal reduction/foregiveness in order to knowingly ignore the XXXX XXXX XXXX terms and commitment and to hide/camouflage not honoring the XXXX XXXX XXXX terms as mandated by the DOJ Consent Judgement. Please note the HIGHER BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00} remains unchanged from the OLD to the NEW/revised BSI loan modification agreement and thus indicates the principal reduction/foregiveness is unchanged from the OLD to the NEW/revised BSI modification agreement and by conclusion they have not honored the XXXX XXXX XXXX terms committing to {$70000.00} principal reduction/foregiveness which results in a lower BSI " note and security instrument ( the unpaid Principal Balance '' ) of {$420000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have repeatedly asked XXXX XXXX XXXX to contact my attorney XXXX XXXX to work out payments since I have retained his services to settle my debt. Instead they keep calling and harassing me. Insisting that if I don't take care of this now they will speak with my employer. After telling them on numerous occasions that I will lose my job if they contact me at work they still contact me. I have an attorney they can speak with but they insist on harassing me not only at home but at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent a dispute out to all 3 bureaus ( XXXX, XXXX, and XXXX ) to have Kia Motor Finance and XXXX accounts removed from my credit report do to false and misleading information on my report/file. XXXX is reporting that I owe {$18000.00} and Kia Motor Finance is reporting that I owe {$11000.00}. XXXX immediately deleted all the following accounts from my report because they knew they didn't have my consent to actually report these fraudulent accounts on my report/file. XXXX & XXXX haven't budged one bit one removing these accounts from my report even though I filed and FTC report as well. I was on the CFPB website and I read something stating " Credit reporting companies must forward your dispute, including all relevant information, to the furnisher ( the company that originally gave the information to the credit reporting companies ). if the furnisher corrects your information because of your dispute, it must correct that information with every credit reporting company with whom it has a relationship ). These accounts do not belong to me and also there was NO consent given to report anything on my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022, I made a purchase using my Fortiva account on XXXX for approximately {$750.00}. At the time of this purchase, my balance was {$640.00}. I returned the merchandise a few months later for a full credit ( which should bring my balance back to {$640.00} ). A year later, my balance is {$960.00}. After I returned the merchandise, they never credited by account and I continued making monthly payments to them, paying interest on {$750.00} I called and asked why and they said it was a known issue that returns were being rejected by Fortiva and XXXX was having to issue refund checks to make clients whole. I received a check for {$590.00}, not what i was expecting to receive because it should have been for {$750.00}. Why was I not refunded in full? I never got refunded for interest charges, late fees, etc regarding the {$750.00}. I want a full investigation launched into why I still owe nearly {$1000.00} after nearly a year. I realize that I received a refund check but it was not for the full amount and I was making $ XXXX payments a month from the time i returned the merchandise until I realized this error. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has had my account frozen and ... '' In Dispute " ..for over 12 months. I can not even get a response. I am on hold till they obey the law.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX  Balance Owed : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$25000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I recieved a letter from the Department of Veteran Affairs stating they overpaid me books and supplies for school for {$120.00} ( see document attached ). This was paid for in a timely matter in the letter attached. However, my Experian credit report classified this as a collection. I tried to resolve this in my Experian website account twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Instead of making any changes, Experian reflected the collection date to the date the dispute was finalized. Currently, my report is showing a debt collection of {$120.00} on XX/XX/XXXX. This reduced my credit score significantly and the collection date is obviously wrong since this overpayment was dated back in XXXX. This is the only previous account with a negative standing in my credit report.
Product: Checking or savings account

I won a settlement against venmo via XXXX  The very moment venmo paid me the money was taken out of my account fraudulently. I called and I was hung up on 6 times in one day and still was not able to get the dispute process started because as I was on hold they closed customer service. {$2000.00} was the amount they offered me and every dime was taken out right after they paid me. They would not let me add any bank account, use my venmo debit card, or send the money to anyone via the app. I need my {$2000.00} back. I have to pay XXXXe {$400.00} because that was the agreement for the settlement and now I can not pay XXXX  because the money was fraudulently stolen and venmo has done nothing about it. 

{$5000.00} was also fraudulently taken from my bank account that was previously on file and venmo is well aware of this but I have not recieved a dime back regarding this. They owe me {$7000.00} in total. 
I have filed a new claim with XXXX, the XXXX, and now with you. 

I do not have dates as currently I am locked out of my venmo account and everytime I call them they hang up on me. I will call tomorrow again and request help to sign in so I can provide all dates and details.
Product: Credit reporting or other personal consumer reports

I Just want them to verify and update so my Report can be accurate. Experian Is the only one reporting these Items inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - XX/XX/XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.