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

I informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report.
Product: Credit reporting or other personal consumer reports

I have recently discovered inaccuracies in my credit report under my name, XXXX XXXX. 
Specifically, the following information/ accounts are incorrect and need to update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, the following are defined as billing errors that must be corrected : -Disagreements between the purchase price and the price shown on the bill. 
-Charges for products or services not delivered according to the agreement. 
-Mathematical errors. 
- items or entries for which more information is needed. 
I request that you conduct an investigation with the creditors mentioned above. Upon confirmation of the error, I kindly ask for its updated from my credit report. Additionally, I request that this letter be permanently included in my credit record.
Product: Debt collection

I had come across some information on my credit report that did NOT belong to me. I disputed said alleged debt first with the credit bureaus. Their response was that the alleged debts were verified I had responded to the bureaus, and The Thomas Agency via certified mail, disputing the debt. I had asked for VALIDATION of such debts. I did NOT receive a response, yet they continued to violate FCRA & FDCPA laws by continuing to furnish such allegations. Attached are copies of the correspondence that I had with them. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in letters are not deleted. In addition XXXX has failed to follow the law, and has ignored validation requests as well as following protocols as outlined In the FCRA/FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX reported not my inquires to them of inquires that were not mine XXXX from XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

On Transunion reported not my inquires XXXX XXXX XX/XX/XXXX XX/XX/XXXX On XXXX reported not my inquires XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a complaint against this company and they responded saying they would help and they have not. I have attached the evidence showing I submitted the documentation as they requested and have received a zero response. 

They are completely ignoring the request and violation of my rights. 

They are refusing to acknowledge or provide the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX  XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.

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

I was signing up for a capital one credit card and was instantly declined despite having good credit, gave me no reason and proceeded to do a hard credit check and add another hard equity onto my account despite being denied.
Product: Debt collection

This company is reporting an account on my credit report with incomplete information. I had to contact the bureaus to find out who was reporting it since there was no creditor name or payment details. I then contacted American Accounts Advisors to have the validate this account and they have yet to respond. By law they're supposed to update the account as " disputed by consumer '' on my credit report which they have not done either.
Product: Debt collection

I received a letter from SIMM associates about a XXXX account I had back in 2016. I just turned XXXX XX/XX/XXXX of this year and there is no way I had an account with them when i was XXXX XXXX XXXX. I also asked them to provide the last 4 digits of the individual social security number and they were not able to provide that information.
Product: Money transfer, virtual currency, or money service

I created a Zelle account in XX/XX/XXXX. Since creating the account, I was never able to send money to anyone because it would always state that their account didnt exist. I kept the account but didnt use it because of this. However, people were able to find and send money to me. XX/XX/XXXX {$15.00} were sent to me, XX/XX/XXXX {$15.00} was sent to me, and XX/XX/XXXX {$20.00} was sent to me. I attempted to login my account several times and could not get in. I then called Zelle and they informed me that they didnt have an account with my information and the card number that I gave them was incorrect. I knew that it was correct because I had the same card since XXXX  XXXX. They informed me that the only way to retrieve my account was to delete it and create a new one, but I would lose my money. My account was deleted and I was never able to retrieve my funds.
Product: Credit reporting or other personal consumer reports

I have been affected by erroneous credit data, and I am once again requesting the removal of the items from my credit file resulting from mistaken credit reporting. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any such items no later than 4 business days after XX/XX/XXXX. I have already included this report in my previous correspondence and am including it again. Additionally, the information you provided on these items is UNKNOWN to me and has been REMOVED from other bureaus, leading me to question their accuracy : EXPERIAN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint serves to notify you that if the listed items are not REMOVED from my report, I will proceed with filing a lawsuit. My attorney has been informed of my intentions and is prepared to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ITEMS resulting from mistaken credit reporting. Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$840.00}
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 XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} -Late/Closed - XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} - Late/Open
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc ) on the grounds of substandard customer service and unjust practices that contravene the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to implement timely and effective strategies to prevent and respond to fraud on their platform, resulting in my account being left exposed and unprotected. Additionally, their process for dispute resolution proved to be both unfair and misleading, as they did not adhere to the error resolution standards outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have led to considerable inconvenience and financial losses, and I am seeking appropriate remedy for these violations.
Product: Mortgage

I paid the wrong amount one month. I shorted the payment by {$30.00}, because I have an adjustable rate and it 's the first time it had gone up. I sent in the {$30.00} with my next payment. Now they are charging me late fees every month, even though I am paying on time. They insist that they ca n't waive the " late fee '' even though I was n't late, and have NEVER been late since XXXX sold them my mortgage! I was with XXXX for 20 years and never had an issue!
Product: Credit card or prepaid card

I have called entirely too many times to file a dispute at Capital One with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, KY. They refuse to reopen a case by Friday, XXXX, XXXX, the deadline, for the dispute where I was scammed. I received and payed for a tattoo to be performed on XX/XX/2023. The tattoo fell apart/off in 3 days. They received PLENTY of documentation of the photos, text messages between the owner and I, as well as proof where I asked the owner to fix her performed tattoo that she failed!! This business keeps denying to open to dispute because XXXX XXXX, the owner, REFUSED TO GIVE ME THE RECEIPT. She said she didnt have the paper for the machine and was having technical issues with her square reader to where she could not email me the receipt. I paid {$1100.00} and theyre refusing to aid me in any way to resolve this and get my chargeback! This place has also closed down and announced it on their social media XXXX page. This is classic scam behavior. Al because I do not have the receipt and they agree I should be refunded elsewise, I cant get my money back and they refuse to do anything about it. I filed a no contact order and this disputes account manager told me that THE ONLY OTHER RESOLUTION WOULD TO HAVE A 3 way call with the person I have a NO CONTACT order against. I told them NO, Ill go to XXXX They said they cant aid me to get my money back.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by AFFIRM INC Dear CFPB, This letter is to file a complaint against AFFIRM INC for violating the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency is attempting to collect a debt from me. However, they are engaging in unfair and deceptive practices in violation of the FDCPA. Specifically, they are : Using false, misleading, or deceptive means to collect a debt. This violates 12 CFR 1006.34 ( b ) ( 5 ). 
Failing to disclose my rights under the FDCPA. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furnishing inaccurate information about the debt to credit reporting agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
AFFIRM INC is reporting incorrect information on my credit report such as Wrong amount is reported please remove. 
I am informing AFFIRM INC that i am disputing all owing and any debts, I am revoking all my rights of communication with AFFIRM INC through email, text, calls. 
In this letter i am requesting debt validation, I am also requesting the purchase order agreement between AFFIRM INC and the original creditor, I am also requesting AFFIRM INC to furnish proof that they are licensed and bonded. 

I request that the CFPB investigate these violations and take action against the collection agency. I also request that you remove any inaccurate information about the debt from my credit reports. 

I have attached copies of all relevant documentation to support my claim, including : My credit report Thank you for your time and attention to this matter. 

Sincerely, Your Signature XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft.
Product: Debt collection

I went to the emergency room and was fully covered with my insurance, but someone stole my information and got service fraudulantly ...
Product: Credit reporting or other personal consumer reports

Experian have never moved bad thing off my report after I paid a credit repair it a few things that was took but now back on there I been trying to get a car an house but it cant seem to get Experian to do what right
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent dispute letters to the credit bureaus challenging inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 3 ), credit reporting agencies are required to note on the credit report when an account is in dispute. Despite this requirement, the recent credit report I obtained does not show any comment indicating that the disputed accounts are under investigation or are being disputed. 

This failure to mark the accounts as in dispute is a violation of the FCRA and has caused ongoing harm to my credit profile and financial standing. I have attached copies of the dispute letters I sent on XX/XX/year> and the recent credit report that lacks any notation of the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXX Date XX/XX/XXXX Address Reported on my credit file how does Transunion have me at 3 address in the same year of XX/XX/XXXX living XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and in error I was living in XXXX XXXX the whole year working for XXXX XXXX as an XXXX I see so many errors by Transunion as if the information is created and just put on some one credit report with any proof or documentation from Transunion
Product: Debt collection

I do NOT owe this company or its affiliate a single penny. This company continues to report a negative account on my credit report, an account I do not own. Company stated that they have placed my account on an administrative hold in a cease and desist status. I am not interested in a cease and desist status ; I am interested in having this company delete its erroneous account from my credit file - a request that is proving rather difficult for them to do. 

CFPB, PLEASE BE ADVISED THAT THIS SHOULD NOT BE CONSTRUED AS A DUPLICATED REPORT. The company is engaging in unscrupulous activities. How can a company at will just report negative items on ones credit without first being absolutely certain that the account belongs to the alleged debtor. I have or had no contractual relationship whatsoever with XXXX and/or Southwest Credit Systems, LP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

I wrote to formally dispute the alleged collection account associated with my credit report, referenced as TrueAccord Corp . This dispute is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ), which affords me the right to request validation of the alleged debt.

Under the FDCPA, I demanded that compliance officer, XXXX XXXX XXXX, provide full and complete validation of the debt. Specifically, I request the following : Proof that the alleged debt exists and that I am legally obligated to pay it. 
A copy of the signed agreement or contract that created this debt. 
A detailed accounting of the amount owed, including all charges and payments made. 
Documentation demonstrating that TrueAccord , Inc. has the legal authority to collect this debt. 

If you are unable to provide the requested validation, he must immediately cease all collection efforts, including reporting this account to any consumer reporting agencies, and delete the collection from my credit report. 

Additionally, I invoked my rights under 15 U.S. Code 1692c ( c ) to demand that XXXX XXXX XXXX and TrueAccord cease and desist all communication with me regarding this matter, except for the purposes explicitly permitted under the FDCPA, such as providing the requested validation or confirming the closure of this account. 

I also requested that this matter be brought to the attention only of the compliance officer, XXXX XXXX XXXX, for thorough investigation to ensure that your practices comply with federal regulations. 

Failure to validate this debt or to comply with this cease-and-desist request may result in legal action and a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC XXXX XXXX 

XXXX XXXX XXXX and TrueAccord is required by law to respond to this request in writing within 30 days of the date you receive this letter. If I do not receive a satisfactory response within this timeframe, I will assume that this debt is not valid, and I will take appropriate steps to protect my rights.