23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to Experian, XXXX, and XXXX I have XXXX hard inquiries on my credit report. I did not authorize either of these hard inquiries and I do not have an account tied to XXXX of the inquiries. The other inquiry is from a credit card that I have had for over 7 years but for some reason it is showing as a hard inquiry in 2023. I need these inquiries to be removed from my credit report of these XXXX agencies immediately as it is impacting my ability to use my credit as needed.
Product: Checking or savings account

My company is USAA I am currently going through a identity theft, and scam. I recently applied for a job through XXXX and got hired for a XXXX XXXX position. They sent me a check of {$4800.00} that was deposited in my account savings account. {$300.00} was supposed to be a sign on bonus and the rest of it was supposed to be used to purchase equipment. When the check hit my account half of it was put on hold. So I did as I was asked and they had me send {$1000.00} to them for equipment, and the rest of it went towards a crypto currency. After realizing the other half of the money was on hold they send that amount of money to me again, and then I was supposed to send them the money that is on hold back to them. By this I spent another {$1500.00} on crypto currency again, and this was the time I thought something was weird. I started looking more into the company and after calling the storefront they informed that the job hiring was a scam and that they have been doing this for awhile now. As soon as I found out about this I instantly called my bank and let them what was going on. I also filed a local police report as well. The way the scam works is they would send you a check to spend all this money and then would cancel the check. Then the person that was scam ( Which is me ) would be force to pay that money back. After my bank investigated the situation they told me that there was nothing they could do about this. So I filed for another investigation, and submitted my police report with this one. I also tried to dispute charges for the crypto currency that is on my account and I was denied on that as well.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
World Finance XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT BEEN ABLE TO VIEW MY TRANSUNION CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

Mariner Finance wont stop! Ive explained the problem, a financial hardship prevents me from paying. I have answered some calls, I tell them I intend to pay, I cant give them a date, no I do not want another loan, etc. I have asked them not to call me ( three times or more per day, every single day ) because nothing is going to change tomorrow or the next day. It doesnt stop. Ive told them they are harassing me by continuing to call me. It doesnt stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account XXXX : XXXX XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX internet services at my home office in XXXX. I had no service for a couple of days due to their maintenance issues. This happened twice and I called to get a credit on my bill which they refused. I disconnected my services and returned their equipment. 

XXXX XXXX XXXX forwarded the account to a debt collector and it was subsequently reported to the credit bureaus. I have disputed it multiple times but it keeps cycling between multiple debt collectors and pops back up on my credit reports. 

At this time, two debt collectors are reporting the same XXXX XXXX XXXX account on my credit reports which is negatively affecting my credit. 

XXXX XXXX XXXX should never have billed me for the last month of service since they did not provide the services. Or they should have given me a prorated bill to account for the interruption in service for 4 days. 

If a debt/account on a credit report is disputed and explained once or more, it should not be assigned to one company after another. In my case 2 debt collectors are showing the same account. The companies are : XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2017 I purchased some items form XXXX and was offered a coupon but instead the employee applied for a XXXX credit card which I am highly upset about I have tried to get this problem solved but I was given the wrong contact number and fax number by XXXX credit bureau. Its also been over 45 days and I havent been contacted.
Product: Mortgage

In XXXX we took a Home Equity Line of Credit out on a property. There are XXXX people on the loan. We did n't realize at the time we signed a home equity loan with interest only for the first 10 years and principal and interest the remaining 10 years. Then in XXXX of XXXX we were slammed with a new payment of {$2600.00} from interest only of XXXX. We were never notified ahead of time our payment was changing due to this issue. We fell behind and immediately requested a modification from our lender. We were sent the package and completed it and returned it. We were approved in writing for the modification on XXXX XXXX, XXXX. Verbally we were told to make XXXX trial payments of {$1600.00} for three months. We agreed and made our first payment on XXXX XXXX, XXXX. On XXXX XXXX we received a letter from our lender that they were unable to offer assistance. This letter was dated XXXX XXXX, XXXX, XXXX day after we made our first trial payment. The reason for denial was Unacceptable Collateral. Who does that? This is wrong on so many levels. I also believe only XXXX couple was included in qualification for the modification. PNC does not seem to handle more than XXXX people on the loan with their computer system. So I know the XXXX couple 's income and ratios were not even included in the decision. At this point we were 5 months behind and left with no options. We did make up the deficit and are now current but I need PNC to answer for what they did and was the XXXX couple involved in the decision making.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX  account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( XXXX and Equifax ) and XX/XX/XXXX ( XXXX ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : Ally Financial Account Number : XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Payment Status : XXXX XXXX 30 days late ( XX/XX/XXXX ) XXXX : 30 days late ( XX/XX/XXXX ) Equifax XXXX 30 days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : XXXX and Equifax report a late payment for XX/XX/XXXX, while XXXX XXXX it for XX/XX/XXXX. 
Equifax inconsistently lists the account as both " XXXX '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : XXXX and XXXX state : " Dispute resolved ; customer disagrees. '' Equifax states : " Consumer disputes after resolution ; closed or paid account/XXXX balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages.

Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information. 
Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt.

Requested Resolution I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX  XXXX XXXX and XXXX  XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I opened an account with Direct Express Bank ( located in XXXX XXXX ) by depositing two checks in a total amount of approximately {$2.00}, XXXX. I called the bank 's customer service number ( XXXX ) XXXX and spoke with XXXX, a customer service representative. XXXX stated that my balance is {$0.00} and that my account would not be credited until XXXX. I don't understand why I can't access my money.
Product: Credit reporting or other personal consumer reports

Never received any compensation or information on XXXX lawsuit I was sign up to never received any new information or haven't received a prepaid card like I was told
Product: Checking or savings account

On XX/XX/2024 my wallet and phone were stolen from my car and between XXXX and XX/XX/2024 there were many unauthorized transactions to my account in the amount totaling {$730.00}. And then I ended up getting XXXX  on my XX/XX/2024 and didn't realize all this until I got released from XXXX XXXX XXXX  on XX/XX/2024. And when I got in contact with sofi bank regarding all this happening to my account they denied my dispute saying I authorized everything and that I took to long to reach out to them about this issue. I appealed it multiple times sent them documents showing them all this and still denied my claim. The unauthorized transaction were XXXX XXXX for {$17.00}, XXXX XXXXXXXX XXXX XXXX {$100.00}, {$3.00}, {$2.00}, XXXXXXXX XXXX XXXX XXXX {$3.00}, XXXX  for {$20.00}, {$20.00}, {$15.00}, {$46.00}, {$15.00}, {$10.00}, {$20.00}, {$20.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$200.00}, {$63.00}, XXXXXXXX XXXXr {$57.00}, XXXXXXXX XXXX for {$3.00}, {$10.00}, XXXX XXXX  for {$20.00}, {$50.00}, {$5.00}, {$30.00}. 
All the XXXX were sent to somebodys XXXX  that wasn't my name or anything related to me. I've been appealing my dispute multiple times and almost instantly it gets denied
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file. 
Please block and delete the following accounts due to their fraudulent nature : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$6500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$9100.00} Additionally, please remove the following unauthorized inquiries : XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

{$1000.00} balance with XXXX  XXXX. Working with True Accord. 

Here the letter I send them on Validation of Debt Request Letter XXXX XXXX XXXX XX/XX/year> TrueAccord Dear TrueAccord, Re : TrueAccord account number is : XXXX I received a notice from your agency regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of the debt. Please provide the following documentation : The name and address of the original creditor. The current amount of the debt. Proof that your agency has the right to collect this debt, including any documentation showing authorization or assignment from the original creditor. Any judgments obtained in relation to this debt. Proof that the debt has not passed the statute of limitations. Please verify that this debt is valid and within the statutory timeframe for collection. Failure to provide this information within 30 days will result in my presumption that the debt is invalid and uncollectible. Please send the requested documentation to : XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice to an agent is notice to the principal. 

To Whom It May Concern, I am writing in response to your communication regarding my complaint submitted on XX/XX/year>, via the CFPB Complaint Portal. While your response acknowledges my concerns, it fails to meet the statutory requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

As part of your reinvestigation obligations, I demand the following : 1. Exact Verification Methods : Provide a detailed explanation of the methods used to verify the disputed information, including : Th
e specific documents and/or records relied upon to validate the accuracy of the reported information ; The identity of the data furnisher ( s ) and the nature of their responses ; Any system, tool, or process utilized to confirm the information.

2. Production of Original Documentation : Pursuant to Rule 1002 of the Federal Rules of Evidence, I request the original documentation, not copies, including : Any signed agreements, contracts, or other evidence supporting the alleged debt ( s ) ; Assignment contracts, account statements, or communications that substantiate the report
ing.

You are required to provide the requested documentation and a complete explanation within 15 days from the date of receipt of this letter. Failure to produce the requested information or to comply fully with your duties under the FCRA will constitute willful non-compliance, actionable under 15 U.S.C. 1681n. Further, vague or computer-generated responses will be considered insufficient to satisfy your statutory obligations. 

If you fail to comply, I reserve the right to escalate this matter, including pursuing all remedies available under the FCRA. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filling a complant against cash app ( Block , Inc ) Due to inadequate customer service and unfair practices which violate the consumer finaccial 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 fraud transfer Act ( EFTA ) and Regulation E. These actions have caused significant Inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Received text on XX/XX/22 offering up to a credit line of {$5000.00}. I called the number provided and gave personal information. I was then transferred to another representative that told me I could obtain the money if I sent XXXX pictures to make them happy
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out original dispute letters to all 3 credit bureaus on XXXX XXXX, 2020. After not getting any investigation results back I sent a 30 day demand to comply on XXXX XXXX, 2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.
Product: Debt collection

Called the operator to verify debt. Operator asked for last 4 of SSN, my full name, birthdate, address, and credit card #. Gave all information to the operator and operator said her screen froze and will call me back. no return call from the operator. operator charged me {$1.00} for XXXX XXXX XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX  failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and XXXX. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX  - XXXXXXXX XXXX
Product: Student loan

The SAVE plan is supposed to prevent interest from capitalizing, my interest is capitalizing and increasing my principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX of 2022, i filed a dispute XXXX and Equifax about the Unverified account XXXX  outsourcing account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you