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

ON XX/XX/2022 I SENT A DISPUTE LETTER TO XXXX IN REFERENCE TO A MEDICAL BILL THAT WAS SENT TO COLLECTIONS AND REPORTED ON MY CREDIT REPORT. THIS DEBT IS NOT MINE AND REPORTING INACCURATELY TO CREDIT REPORT. XXXX AND EXPERIAN RESPONDED TO MY DISPUTE ON XX/XX/2022 STATING THAT THE ACCOUNT WAS VERIFIED AND 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF THE TWO CREDIT AGENCIES ARE REPORTING TWO DIFFERENT ACCOUNT NUMBERS AND TWO DIFFERENT COLLECTION AGENCY NAMES? I'VE ALSO SENT LETTERS FOR BOTH OF THEM TO SEND ME THE VERIFICATION OF METHOD FOR VERIFYING THIS ACCOUNT AND THEY HAVE YET TO RESPOND. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA AND THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLEY. 

THE FOLLOWING ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY : XXXX : ( XXXX ) * DOES NOT SHOW ORIGINAL LENDER ON CREDIT REPORT* COLLECTION AGENCY NAME : XXXX ACCOUNT # XXXX XXXX : ( EXPERIAN ) ORIGINAL LENDER : XXXX XXXX COLLECTION AGENCY NAME : XXXX XXXX XXXX I ACCOUNT # XXXX ABOVE IS HOW THE ACCOUNT SHOW ON MY CREDIT REPORT AND I WILL ALSO ATTACH PICTURES. BOTH SHOW TWO DIFFERENT ACCOUNT NUMBERS AND XXXX DOES NOT HAVE THE ORIGINAL LENDER REPORTED. SO HOW COULD AN INVESTIGATION BE COMPLETED AND EVERYTHING VERIFIED AS ACCURATE IF MY CREDIT REPORT CLEARLY HAS INACCURACIES REGARDING THIS ACCOUNT? 

THESE ERRORS NEGATIVELY AFFECT MY GOOD CHARACTER AND REPUTATION AND THE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 40 inquiries unauthorized on my credit report and I dont have enough room to list them all each because they are 80 inquiries total throughout XXXX, XXXX , and XXXX .
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX I did an instant transfer from my XXXX account to my cash app. I've yet to receive the {$98.00} I sent. XXXX XXXX was quite helpful and informed me the money had passed their system and to check with the receiving bank. XXXX  times I contacted support with cash app. On the XXXX time on XX/XX/2023 I felt they were gon na rush me off after getting my issue completely wrong, I decided to inform the advocate how frustrated I was. The advocate, named XXXX, informed me he would forward my case to a special case group. I waited a couple hours and realized my cash app account was signed out. I signed back in only to be informed my account was closed. After inquiring as to why it was closed I was told for violating the terms of use. I've received no further communication from cash app. They've continued to tell me to contact my bank or to tell me it's not possible to send money between XXXX and cash app.
Product: Credit card

I sent letter of instruction to the appointed manager of my securities at Navy Federal on XXXX XXXX, who in return refused to act on their performance over the account. Due to this breach of contract the account suffers. This is the last resort for remedy before a federal claim is filed against this corporation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found multiple accounts and inquiries that I do not recognize.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}
Product: Credit card or prepaid card

This account was opened fraudulently as a result of identity theft i have asked that the 2 accounts at fifth third be closed and any information associated with these account be removed from my credit files. The company Insists I made these charges because someone made a cash advance at a bank using my ID an SS number which was stolen from the wallet I lost months prior and was used to open the accounts with fifth third in the first place which they don't seem to understand. I have filed an identity theft report with the federal trade commission and including an advidaft of Identity theft with this complaint. I have also submitted this document to the major credit bureaus and reported the identity theft aswell i did not open these accounts and will not stop till my good name is cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Product: Money transfer, virtual currency, or money service

The company is Cash app and they are responsible for my unauthorized transactions that led up to almost over {$17000.00} of hard-earned money lost. From XX/XX/XXXX. - XX/XX/XXXX I have responses from cash app saying that they can not help which is terrible leave left me in such a bad situation and I have the copies of my account statements
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, the credit bureaus refuse to follow the FCRA. I have sent letters and disputes to fix this ongoing problem. None of these accounts are accurate or or correct and must be remove or fine in accordance with the FCRA. Acct. # XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX, XXXX XXXX, ACCT # XXXX XXXX  XXXX, ACCT # XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 SEC 604A states I have the right to privacy. 15 U.S.C. 1681 SE 604A SEC 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681b states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 U.S.C 1861i ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 15 U.S.C. 1861i SEC ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( 6 ) Notice of results of reinvestigation ( A ) In general U.S.C. 1681i SEC 6 ( A ) A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. U.S.C 1681s-2a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XX/XX/2021 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, personal loan, or advance loan

I have an installment loan for my solar panels. The loan is for XXXX years and im trying to pay it off early. Dividend Finance wont apply any extra payments to the principal. Any extra payment is processed like a regular payment and interest is paid before any principal is paid. My regular payment is {$210.00} per month. In addition I pay {$200.00} a month that I want to reduce my principal but they wont apply the entire extra amount to the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has re-aged the DOFD in violation of the FCRA. This is a XXXX   account. Pursuant to the FCRA, the DOFD has to be reported within 90 days of reporting. This time as since past years ago ; and, this account has been actively and erroneously been reporting on my credit files since XX/XX/2016 until the present time. I would like it DELETED in its entirety.
Product: Prepaid card

XX/XX/XXXX and XXXX I was charged XXXX Under XXXX billing policy states they do not bill as this rather the actual service provided i.e XXXX  or XXXX XXXX, etc after explaining this to dasher direct several times I was still told to dispute with XXXX even though this is not legitimately them, I'm out of almost XXXX. Dasher direct refuses to reimburse me for an obvious fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these 3 accounts for months with Equifax concerning INACCURATE and INCOMPLETE information they have failed to provide : XXXX XXXXXXXX XXXX ( credit card account ) - PLEASE SEE PAGE 4 ON REPORT XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 6 XXXX XXXX XXXX XXXX ( credit card account ) - PLEASE SEE PAGE 9 THESE 3 ACCOUNTS HAVE NO ACCOUNT NUMBERS : 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. If an item of information disputed by a CONSUMER is found to be INACCURATE or INCOMPLETE or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptlydelete that item of information
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having extreme trouble having two items removed from my credit report of Expireian and XXXX. 

Item 1 : XXXX XXXX ( installment loan ) Item 2 : XXXX ( debt collection ) *its worth noting that when you look at my credit report I only obtain loans from XXXX XXXX XXXX XXXX , no one else, especially high risk high apr payday type loans. 

As a person who only receives a fixed income these items are causing me great and irreparable harm. I have repeatedly disputed these fraudulent items with both XXXX and Experian to no avail. 

XXXX however removed them so I know its possible. I need help.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2021, I had ordered accessories from the seller. It is now XX/XX/2021 and I havent received my merchandise. I spent a total of {$1500.00}. I messaged the seller multiple times about this and he had blocked me. He refunded me only {$0.00}. PayPal refused to help me. This specific seller has a history of fraud/scam and I did not know this until recently.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX  from XX/XX/XXXX through XX/XX/XXXX. During this time, medical bills and living expenses were paid on a Chase JP Morgan credit card. This debt was charged off in XX/XX/XXXX by Chase JPMCB without regard for the context of medical debt, and long term XXXX considerations. Today XX/XX/XXXX this account shows as a charge-off of a significant amount, and catastrophically affects my ability to obtain credit fairly regardless of my income level. This is an unfair adjudication by JPMCB, I have tried on numerous occasions to resolve this directly with Chase JPMCB including offering to pay the debt in full in exchange for removal from my credit history. This is an unfair adjudication by JPMCB, I have tried on numerous occasions to resolve this directly with Chase JPMCB including offering to pay the debt in full in exchange for removal from my credit history. This is a retribution by a large bank conglomerate against a private citizen with an unforeseeable and complex circumstance.
Product: Credit reporting 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 1681.

List of Unauthorized Inquiries : 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: Mortgage

I was forclosed on my home and I did not get the support from HARP and I had several XXXX party agencies helping me. I had the home up for short sale for a year with a buyer at the onset of the foreclosure notice and the bank ignored it and gave me the run around. The home was foreclosed on and HARP did not compensate me with relocation funds and ignored all faxing and documentation that I complied to. This situation was an unlawful and harmful situation not only to my self ( now XXXX and mental strain caused by the situation at the time. my credit is distroyed )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX : {$73.00} XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} ; XXXXXXXX XXXX  Balance : {$2900.00} ; XXXX XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

I get direct deposit every Thursday around XXXX XXXX. Yesterday was XX/XX/year> and I recieved no deposit, and know several others had this same issue with Capital One Banking. 

It is now XX/XX/year> I have multiple bills due they are not getting paid I am getting late fees, I am now not getting my XXXX Cash advance from my second banking account XXXX due to not being able to pay the previous cash advance due to not getting my direct deposit check. 

On top of this all we are about to go into freezing weather and I have no access to my money to get groceries, gas or any other items I need during this time. 

This is insane to me, I have called Capital One customer service multiple times with absolutely no help or answers to anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX ( Original Creditor : TXXXX ) XXXX Balance {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX N.A. ) XXXX Balance {$1100.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit card or prepaid card

I have never used the transactions from XXXX XXXX and I never authorized anyone to use all these transactions from XXXX XXXX. Someone used it fraudulently so I had diputed with Bank of America and they had concluded that I used them. 

My credit card account number is XXXX XX/XX/24 XXXX ( XXXXXXXX Account ) I want to know what kind of evidence you have that I have authorized all these transactions and who authorized them..