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

I do not recognize these companies or consent to any of these credit inquiries. Please have them remove immediately from my credit report. 


XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX/XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of XXXX XXXX Account # XXXX on Credit Report I am writing this letter to express my serious concern and objection to the continued furnishing of the above-referenced account by your agency on my consumer report. As per my understanding, this account is reporting past the statute of limitations in the state of Georgia and is adversely affecting my credit history. 
On XX/XX/2023, I had submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this particular issue ( copy of the dispute letter attached for your reference ). 
Despite my previous attempts to rectify this matter, upon reviewing the notification from Transunion on XX/XX/2023, I was astonished to find that the account still appears and your agency states that the account was verified even though it is past the statute of limitations.
Product: Checking or savings account

my bank of America checking account was closed on XXXX XXXX XXXX due to a check for the amount of {$230.00}. this check was sent to me by a fraudulent company acting as a business looking to hire me to run business errands through via XXXX.
Product: Money transfer, virtual currency, or money service

I am filling 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 and resolution process was deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial lost, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

XXXX has not updated the account owned by ENHANCED RECOVERY COMPANY.it has been investigated and this account was removed completely from my report. Please can you please remove it to. Please dont close it. Please remove it I read closed account can have negative impact on credit report. Im trying very hard to fix my credit. I disputed this on XX/XX/19. Dispute report # is XXXX
Product: Debt collection

I received a letter of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Their reference # XXXX dated XX/XX/2021 received by US Mail on XX/XX/2021. Note their envelope has no postmark or date. I immediately called them on XX/XX/2021 and advised of my intention to dispute and requested validity of the debt, proof of obligation. i was requested to provide my birthdate to which I refused as I had no idea whom was on the other end and possibly provide sensitive personal info to anyone. 

I wrote a letter dated XX/XX/2021 requesting validation of the debt to which to date have no received. I noticed that on XX/XX/2021 this company then placed a collection of my credit bureau reports with all three national credit bureaus. This is a violation of my rights as I have no proof or validity of this obligation, not was any provided by this company as of XX/XX/2021. Please force removal of the collection from my credit bureaus and take action against this firm for violating my rights to dispute since no proof was provided, and the receipt of the notification from this company was not received for in excess of 25 days from date of their notice..
Product: Debt collection

XX/XX/2020 {$930.00} I attempted to call this company I have zero knowledge of this account and it needs to be removed immediately
Product: Checking or savings account

Had over XXXX taken out of my account sent to XXXX when my ameren acct said no payment due. This caused an overdraft of my account in excess of {$400.00} I asked wells to do a stop payment. Instead they did a fraud activity report which caused more problems to where my account again was overdrawn overdraft fees applied and account closed
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent three Western Union payment to a company to purchase Medical Examination Gloves, but I never received the Gloves, so I filed an Online Cyber scam complaint and reported the mattter to the XXXX Police and WesternUnion. 
on XX/XX/XXXX, I received a XXXX package from Western Union at my address where the funds were sent from in XXXX and thaty gave me three new MTCN numbers and three case numbers as follows and suggested that i should go and pick up the funds at a westernunion location : NEW MTCN NUMBER NEW CASE NUMBER AMOUNT XXXX XXXX {$2300.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS Upon receipt of the documents, I took my assistantant with me ( she was the person I had sent to western union to make the payments. XXXX XXXX XXXX XXXX ) to the Western Location from where the money was sent. They claimed that the money was returned, but since I did not receive the money, i checked on the Western Union App and on the western Union Page, and it said money sent, waiting for pick up. 
I called western union and they gave me a new case numberXXXX and told me i could go back now and pick up the funds. This time we went to a new location, butr no money was available. 

i called Western union again, and again they gave me new case number. XXXX and three new MTCN numbers to collet the money 1- MTCN XXXX XXXX XXXX 2-MTCN XXXX XXXX XXXX 3-MTCN XXXX XXXX XXXX AGAIN WE WENT BACK TO WESTERN UNION AND AGAIN THERE WAS NO MONEY FOR PICK UP Once again thay gave me a New case number XXXX its now several weeks XX/XX/XXXX and the decision now wa stht they will send us a check. 
i sent them many emails and also with our change of address etc. but no response and no check arrived. 
i called again on XX/XX/XXXX, and they told me that they are still investigating and i should call them back in 24-.48 hours. 
I called today XX/XX/XXXX, and still no result. They are still investigating, and i should call them back in 3-7 business days. 
I strongly feel that i am getting the run around and need your intervention.
Product: Credit reporting or other personal consumer reports

I noticed that my inaccurate accounts is still in my credit report
Product: Prepaid card

I requested a prepaid debit card from XXXX, which is issued by NetSpend, so that I could have access to my funds paid to me by XXXX.I was denied the card, because NetSpend is saying I owe them {$72.00}, and would not give me an explanation as to why I would owe them money owe a prepaid debit card.I donot owe these people any money, and I need to know why they are saying I do? I believe this a scam.I ask them to send me an explanation, he refused?
Product: Debt collection

Midland credit is taking me to court and I never had an account with them
Product: Mortgage

I have suffered a horrible experience. 
XXXX. I had to sign for title twice XXXX. The delay resulted in a higher rate XXXX. I still do not have access to my funds XXXX. I paid exorbitant and predatory fees for a prime loan XXXX. Poor response times
Product: Checking or savings account

My name is XXXX XXXX XXXX Social Security XXXX XXXX. On XXXX XXXX, XXXX we received a call from USAA Fraud Department regarding deposits on my checking account ( account number XXXX ). I had applied for a loan on line that I thought was from eloans, but apparently it was not. Some how they made deposits with personal check from closed accounts and accounts with insufficient funds. 

The bank thought I had made these deposits which I did not however, it has caused us a multitude of problems. Currently are checking has been placed on a credit only status starting XXXX XXXX or XXXX thru XXXX XXXX, XXXX. My Military Retirement Pay, VA XXXX and my wife 's Social Security have been direct deposited into the account, as I was not able to change those deposits before the cutoff dates. 

I have contacted USAA on several occasions trying to get some funds released as the account has approximately a {$2000.00} dollar balance ( unable to access they account for precise balance ) so I could pay our utilities before they cut them off. 

We ( my wife and I ) do n't know where to turn or what to do as the bank refuses to release any of our funds and are hoping that you could provide some help or guidance. 

Thank you for your time and any assistance that you could provide regarding this matter. 




Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company by the name of XXXX XXXX XXXX has been attempting to collect a debt for a merchant services that was opened in XX/XX/XXXXaccording to them via my credit report but according to a phone call I received after I sent them a validation letter of the debt they stated it was opened in XX/XX/XXXX. Regardless of when it was opened in XX/XX/XXXX it is not possible as I was working on a XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  which can be verified with taxes and I provided them as well. The company they say it was opened with was XXXX XXXX XXXX   and I contacted them as asked and they have zero record of me. I requested proof of debt never got it and it still remains on my credit. I researched the original creditor and it would be for credit card merchant machines. This means they would have sent me equipment that would have a traceable merchant code to run credit cards and they could find no matching machined assigned to my name, my business name, or my social security number. This to me would constitute invalidation of the claim of debt. Please advise on my next steps. Thank you.
Product: Credit card

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a hold of social and using it to try and get credit from different places and cars also trying to get account for credit, causing all kind of credit inquires on my credit
Product: Student loan

EdFinancial sent me a letter with my new monthly payment after consolidating my loans under the new income driven repayment I signed up for at StudentAid.gov. They have not updated their monthly payment on their portal, and despite me making my agreed upon monthly payments per the letter, their portal is saying I am behind on my loans and to contact them. I have emailed them 3 times, called countless times, and yet I am unable to reach someone to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED A FRAUDULENT SECURED CARD IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN THIS FRAUDULENT SECURED CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account withTRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681has violated my rights : 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Failed to provide debt validation as required by the Fair Credit Reporting Act, Section 609. Delete this unfair, negative, inaccurate, erroneous from my credit report.

Requested company provide the following in connection with the alleged debt : 1. To whom do you think I owe this debt and what amount do you claim I owe, and how that amount was calculated? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount allegedly owed and the date when the debt was transferred.

2. Please provide a valid basis for the alleged debt, such as the original contract between me and original creditor. Tell me the date the alleged debt became delinquent and the date the last payment was made. Prove the Statute of Limitations has not expired on this account.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law.

4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Does your agency have a debt collection license in the state of Maryland? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why, and under what authority you are able to collect this alleged debt.

Company has failed to provide the requested information in violation of the Fair Credit Reporting Act, Section 609.
Product: Mortgage

XX/XX/XXXX mortgage for XXXX over 15 yr. 11.95 % balloon payment, under HAMP we were denied a mod for 13 yrs. 6 mon. before finally dropped {$650.00} mon. to {$400.00} and lower % to 4 %, had major hardship XX/XX/XXXX, XXXX XXXX, no insurance or job, they raised payments for XXXX yrs. During mod review from XX/XX/XXXX-XX/XX/XXXX they attemted to Foreclose, this is Dual tracking, tacked on over $ 28k in penalities in that time span, so I owed over $ 28k more than I financed at end of term, now they filed Foreclosure 2 yrs. later, looking for help, never told about Recsission
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan servicing was transferred from XXXX to Specialized Loan Services ( SLS ) about a year ago. SLS refuses to send me a monthly mortgage statement either by mail or by email. They tell me it is because my mortgage was included in a bankruptcy. I filed my BK in XXXX 2010. This BK included XXXX mortgage. I have received monthly statements from every lender on all of my mortgage until my loan was transferred to SLS. I am never notified of any changes or problems concerning my account. This policy make it very easy to get behind on a mortgage payment if for some reason a late payment or escrow increase occurs on the account. It does not seem right that that SLS can leave it 's customers in the dark and give them a death wish on keeping up with changes on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. This is the second time I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have reached out to the FTC and to my local police and I am doing this on my own. Again these items listed are not mine and need to be deleted 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. Inquires : 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 or other personal consumer reports

Account showing on my credit report that has been paid and was agreed upon to delete : XXXX XXXX Account number : XXXX Payment Information and confirmation : Account Number : Ending in XXXX Original Creditor : XXXXXXXX XXXX Confirmation Number XXXX XXXX