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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

SELF / LEAD XXXX Balance : {$0.00} ;
Product: Debt collection

On XXXX XXXX, 2020, I wrote a check for {$28.00} to XXXX in XXXX XXXX, FL. The check never cleared the bank, and I could not figure out why. My bank had no record of it. Two months later, my check was declined at a store. I requested my file from XXXX, which showed the outstanding XXXX check. I contacted XXXX XXXX XXXX 's parent company, XXXX XXXX XXXX XXXX, XXXX XXXX again ) and Audit Systems. No one seemed to know what was going on with the check and why it did not clear. I called my bank and heard the same story. No record of it. This went on for some time with no answers. Finally, XXXX XXXX saiid Audit Systems had this check. I called to find out what I could do to resolve this. Audit Systems said my bank had rejected this check because of the check image. They wanted me to pay the amount of the check, along with a {$25.00}. I refused to pay the fee because I said I was not at fault for a bad check image. I also told Audit Systems that my name and contact information were on the check, so why wasn't I contacted if there was a problem. I received no straight answer. We argued back and forth over this fee that I was not about to pay. I contacted XXXX XXXX again and was told that Audit Systems wanted to collect the fee because if they didn't, they would not collect their commission. I said I was not paying a fee. XXXX XXXX finally had the check moved to another agency, who did not charge me a fee. I paid the {$28.00}, and that was it. Audit Systems was unprofessional, rude and condescending. I do not want anyone else to be taken advantage of by these creeps. I'm sure others pay their fees without questioning. I was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

You show a bankruptcy on my credit report but XXXX has no record of a Bankruptcy on file. Please remove off my credit report
Product: Checking or savings account

I am seeking reimbursement of a total of {$700.00} due to the described below fraudulent transactions. On XX/XX/2021, I logged into my account and found a total of four transactions which were not authorized by me in my Checking Account. 
I then called Capital One to report the fraudulent transactions. The Capital One explained that my account will be closed. 

The following are the unauthorized fraudulent XXXX  transactions I reported to Capital One on XX/XX/2021. 

XX/XX/2021 {$200.00} sent to XXXX XXXX XX/XX/2021, {$200.00} sent to XXXX XXXX XX/XX/2021, {$150.00} sent to XXXX XXXX XX/XX/2021, a second {$150.00} sent to XXXX XXXX Above describes a total of {$700.00} which was withdrawn from my account using the XXXX XXXX. 
Please also note that I did not receive a text message to my phone ( which typically occurs ) when these transactions were initiated and successful. 

Capital One has sent a total of 5 letters, dated XX/XX/2021 denying my claim to reimburse the {$700.00} above ( see attachments ).
Product: Debt collection

Told them to stop calling my number was register to the National do not call registry, and i never give them permition to call me, but they keep calling me, and also calling my husband disclosing the reason of the call, treating me. They keep harrassing me, calling always from diferent numbers. ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They keep violating the concent order imposed by CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and to whom this message XXXX concern, The credit bureaus ; XXXX, Experian, & XXXX stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX x XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

Experian received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue stress or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

NCAC Has placed a debt on my credit report of XXXX. I have never lived at this address, I do not know the person that it states I am on the account with and the address never appears on my credit reports. XXXX  will not let me dispute this again, i keep trying to have it removed from my credit report and would like this addressed. 

The other name listed on the debt, I have never met this person and have lived in another state for the entire length of time that this debt is claimed to have been mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/2020 XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.
Product: Debt collection

Attorney XXXX XXXX at XXXX XXXX, XXXX, NJ XXXX keeps sending me letters on a medical debt that is not owed by me. The debt is owed by XXXX XXXX XXXX whom lives in XXXX XXXX. 

I have repeatedly called them and sent in an initial complaint to stop sending me letters in the mail. My girlfriend is getting angry at me which is causing our relationship distress. I am having emotional and psychological distress as well because of these letters. 

Michael Harrison 's Law firm has repeatedly violated the FDCPA ( 15 U.S. Code 1692k ). 

Damages for Physical Distress Damages for Emotional Distress If I receive one more letter in the mail I will be forced to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One/Neiman Marcus XXXX XXXX XXXX , which has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.
Product: Mortgage

In XXXX, I purchased a property in DC. Shortly after the purchase, PHH Mortgage began servicing the loan. PHH did not make the property tax payments to the District of Columbia Office of Tax and Revenue for an extended period of time. In XX/XX/XXXX they realized the mistake and made double tax payments to the District of Columbia Office of Tax and Revenue ( DCOTR ). 

In XX/XX/XXXX, PHH sold the servicing of my loan to XXXX. PHH insists that the DCOTR would have refunded the funds to the new servicer XXXX. I followed up with DCOTR and they informed me that the funds were returned to PHH. This makes sense because the payments were made by PHH.
Product: Credit reporting or other personal consumer reports

I have numerous negative accounts that doesnt belong to me. The accounts are not mine and a lot of the information is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving 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

Transunion File Identification Number : XXXX, Provided by TransUnion XXXX Relations. I requested a verification and update on my credit report, Transunion reported back stating the accounts were verified but FAILED to say how they were verified. On top of that the accounts listed in Transunion File Identification Number : XXXX are violation of to 15 US Code 1681A, Paragraph 2, ( A ) ( i ), the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. I requested an update of my address by providing a copy of my driver 's license they updated it incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted an investigation request to the credit bureaus on XX/XX/XXXX. Over thirty days have past, but Equifax and XXXX have not responded yet. I am attaching a copy of the request we sent on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ONLINE INFORMATION SERVICES # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to ONLINE INFORMATION SERVICES # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Credit card or prepaid card

I have a credit score of XXXX with no bk 's or late payments. I was denied a credit card for a Southwest Airlines XXXX XXXX Account by Chase bank on XX/XX/20. I am currently only utilizing 3 % of my available credit. There is no reason I should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX  on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX XXXX/XXXX XXXX which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by Credit Karma. I also had this same account listed on my XXXX   credit report and I disputed it there, as well. I received the same notification on my XXXX  report stating, " XXXX XXXX Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my XXXX and XXXX credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a copy of my Equifax credit report for the last couple of months. I used to be able to log into my account with them but can no longer do so. 

Today - XX/XX/2020 - I tried again. I downloaded their XXXX and XXXX smartphone app and tried logging in. I received an error message saying that I wasn't able to get to their servers, so I called their Cust Svc # and spoke to a person there. 

She asked me if I had already set up a XXXX and XXXX  account and I told her that I thought I had but would go through that setup process again to ensure I did. This was after I hung up with her. 

When I tried setting up the acct, the system said that the email was already in use and to sign in instead of setting up. I tried that, but got another error msg that said to call cust Svc, which I did again. 

This 2nd time I was able to speak to someone who after validating me, sent me a link to reset my password which I used and changed my password. I received an email verifying that my password had been changed, so I tried to log in using that new password. I received another error msg saying to call Cust Service again. 

The 3rd time I called, I was asked to validate my identity which I did, however they asked me for info regarding a bank loan, date of and amount of the loan. I told the man that I do not have an outstanding bank loan but only two credit cards that I am paying on that are open. He wouldn't validate me. He then said that I needed to send them some documentation that will take 7-10 business days to resolve. 

I told him that I am trying to refi my mortgage with a lender and don't have the time to wait to get into my credit file which is frozen to prevent identity theft. 

That didn't matter. 

I believe that the verification process needs to be reviewed and consideration given to use other account identity validation methods to prevent someone like me from being prevented from getting my own information that Equifax is holding. 

I would like help to resolve this, please.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX or XXXX XXXX opened on XX/XX/year> as it is reported on my Consumer FICO credit reports. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX XXXX ) FLAGSHIP CREDIT ACCEPTANCE ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is part of that huge equifax problem that 's been reported in the news recently. I went to the site and entered my information and was told my information was probably stolen. I do n't want to take advantage of the XXXX offer because of the arbitration clause and that I will start getting charged for the service after a year. I feel this is a shameless money grab. Equifax failed to keep my information private and did nothing to inform me until this week when they knew about the breach over a month ago.
Product: Money transfer, virtual currency, or money service

I had my account restricted for more than 1 month. I am allowed to receive to but not transfer any money. They said that the verification team needed to verify my informations but also claimed than all the informations they have from me are correct and it was just a bug from the system. My account is still on hold and nothing have been done since. I am calling regularly but it seems that no one is paying attention to the problem and I still dont have access to my money on the account. I cant even close my account as I would need to be verified for that.