23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX this collection account was removed due to fraud from XXXX, XXXX and XXXX, with a balance of {$2200.00}. It reappeared back on my credit report on all three credit bureau in XXXX with a balance of {$2200.00}.
Product: Credit reporting or other personal consumer reports

In XXXX, I had to take a forbearance under the COVID-19 Care Act. My mortgage reported and still reports me 2 times 90 days late/ 4 times 60 days late and 2 times 30 days late. I have reached out to my mortgage company XXXX XXXX Bank ) which is now XXXX Bank but when this took place the mortgage was with XXXX XXXX  XXXX, XXXX XXXX XXXX sold the loan to XXXX XXXX 

On XX/XX/XXXX, I called XXXX XXXX to inform them that my issue was due to COVID-19. They mentioned they needed to conduct an investigation but did not respond until XX/XX/XXXX. During the call, they stated that they would remove the items within 15 days at the latest. I requested written confirmation, and the representative assured me that it would be mailed to me. However, as of today, XX/XX/XXXX, there have been no changes to my credit report, nor have I received any written communication. 

Please help me get this fixed. This was discovered when I was applying for a home loan and stop me from moving forward with the home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report from XXXX, Equifax, and XXXX/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies Transunion and XXXX for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.
Product: Debt collection

I hereby understand my privacy and rights is being violated by consumers. 

XXXX XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Target 's the devastating impact of medical debt on consumers, under this new law medical debt will no longer be included on consumers credit reports ensuring that people are not penalized for the high cost of necessary health care The medical debt relief act of 2023 also states this bill prohibits consumers reporting agencies from including medical debt on a consumer report in addition the consumer financial protection bureau must amen regulations to prohibit creditors from obtaining or using medical debt information when considering whether to extend credit to a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US Dept Education acct # XXXX has violated my rights. 
US Dept Education acct # XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
US Dept EducationXXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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.
Product: Checking or savings account

I made a dispute last year regarding my account. My wife and I were traveling for business at the time and I noticed that some money had came up missing out of my account through XXXX XXXX. I immediately contacted chase when I became aware of it. I called in filed the dispute letting chase know that I was traveling for business and that I didnt know the person at all that the XXXX XXXX belonged 2 so the was filled and granted. My wife ended up getting sick so i didnt notice that theres were transactions that were missed and I assumed my financial institution would have done there part but to my utter dismay I was severely mistaken. When I called back in to the claims department the representative was understanding and even went over the other charges with me. Now they are refusing to approve that other transactions that the first representative missed. I escalated it to chase executive office but the Representative that was assigned to the case was rude and very unprofessional. When I asked to speak with his manager they never called. I called back in inquired about the call back from his manager because it had been about two weeks and I still didnt hear anything they informed me that his manager would reach out to me in 24 to 48hrs. Upon receiving a call back it was from the same rep that I was speaking with requesting a call back from his supervisor. He stated that he was calling on behalf of his manager, Also that the decision for the claim didnt change they still werent going to help me. After that I called back in requesting a call back from his manager again upon her calling back she wasnt helpful either. When I asked her for the approved transactions she gave them to me but they coincides with each other.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute an inaccurate collection account that appears on my XXXX credit report. The details of the account are as follows : Creditor : Jefferson Capital Systems Original Creditor : XXXXXXXX XXXX Card Account Number : [ Last four digits : XXXX ] Balance : {$510.00} Status : Collection Account This account is being reported inaccurately, and I dispute its validity for the following reasons : 1. Lack of Verification : I requested verification of this debt from Jefferson Capital Systems, but they have failed to provide sufficient documentation proving that I owe this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request proper validation. 
2. Incorrect Reporting : The balance, status, or other details may be inaccurate, and I request an investigation to ensure compliance with 15 U.S. Code 1681i of the FCRA. 
3. Consumer Dispute Already Filed : My XXXX report includes a statement indicating that this account is disputed, meaning it should not be reported negatively without proper investigation. 

I request that this account be removed from my credit report if it can not be properly verified. Please conduct an investigation and provide me with the results. If Jefferson Capital Systems can not substantiate this debt, I demand its deletion from my credit file per FCRA 611.

Attached, you will find a copy of my credit report highlighting the disputed account and any supporting documents.

Please respond to this dispute within 30 days, as required by law. If you need further information, you may contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called XXXX XXXX to see if they can help me dispute my credit score,  they stated that they need a letter of the loan denial. I called Prosper again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.
Product: Money transfer, virtual currency, or money service

Money transactions with Zelle via XXXX XXXX XXXXXXXX, reported as Business Under False Pretense / Fraud. The check ( s ) the employers provided have been termed fictitious by the bank ( s ) involved and subject to chargeback ( s ).

The recipients received money as contractors for Equipment and Softwares to supply me, a New Hire, with an Employer Qualified Home Office. The company name and activity was/ is noted/ memoed on the transactions. ( Business Name, Reason, Item ) No goods or services have been received to now, and delivery tracking was promised by the authorizing party for an approximated date : XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I am writing in regards of a XXXX XXXX, I purchased the balance on this account is incorrect reporting on my credit report. They have harassed me with court letters asking for the XXXX XXXX XXXX back in their possession or I would face charges. The debt was sold a few times and they keep changing the amount of the car that was owed. I have reach out ti the creditors a few times about this. Please help me with this matter however this account has been reporting for over 7 years on my credit report.
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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process a 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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/2017 Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account XXXX : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX LATE ) XXXX XXXX  XXXX XXXX LATE XXXX XX/XX/XXXX ) XXXX XXXX ( LATE XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX ( XXXX XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to express my extreme frustration and disappointment with your lack of action regarding my previous communication about fraudulent accounts and inquiries on my credit report. Despite providing you with a detailed FTC Identity Theft Report, you have ignored my request to address this issue.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any of these transactions on my report. I am now formally demanding that the following accounts, addresses, and inquiries be blocked and permanently deleted from my report within four ( 4 ) days of your receipt of this letter. This request is not made in error nor based on any misrepresentation of facts regarding the transactions. As a consumer, I have the right to dispute any inaccurate or fraudulent information reported to the credit bureaus, as outlined by the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fraudulent Inquiries : XXXX  Your failure to address this matter promptly leaves me with no choice b

ut to consider pursuing legal action to enforce my rights. Should this information not be blocked and deleted within the specified four-day period, I will take steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. Additionally, I will seek legal remedies to hold you accountable for your negligence and failure to comply with federal law. I trust you will take this matter seriously and act accordingly. Please confirm in writing once the requested deletions have been completed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and I request that the following fraudulent account be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Account to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00}
Product: Credit card or prepaid card

XXXX XXXX XXXX  They created a plan for my husbands XXXX XXXX and charged {$2300.00} for it and XXXX weeks later said they were closing and they couldn't issue refunds but to transfer care to their siblings practice. Called OPTUM financial on XXXX XXXX XXXX and was told a form would be emailed in XXXX hours. Never received the form. XX/XX/XXXX call reported a dispute and was told XXXX hours but never came. XX/XX/XXXX was told the form was sent yesterday to husbands email...
Product: Credit card

I am disputing the collection account with BK OF AMER, account number XXXX dated XXXX XXXX with a balance of {$2700.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BK OF AMER provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

i wasn't informed that the company would be doing a hard credit check i already had and existing account
Product: Money transfer, virtual currency, or money service

Block , inc due to inadequate customer sevice and unfair practices, which violate the Consumer Financial Protection Act. CFPA. SPECIALLY 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 resolutions process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act. EFTA AND REGULATIONS E. THESE actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft.

Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.
Product: Debt collection

I was a XXXX satellite service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from XXXX   XXXX for {$370.00} for XXXX. I disputed the charge again by calling XXXX   XXXX. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from Convergent Outsourcing for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from XXXX XXXX for XXXX. I contacted XXXX XXXX by mail disputing the debt and making the same statement as I did in my letter to Convergent. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by XXXX XXXX for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the EQUIFAX AND XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX Balance : {$700.00} ; XXXX Balance : {$440.00}.