23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Trans Union XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question are listed as follows : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the monthly charge-off results in a misleading and inaccurate credit report, significantly harming my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and confirm these corrections for me. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Debt collection

This company has violated the FDCPA and the Fair Credit Reporting Act. 

They reported XXXX accounts on my credit report. I contacted both the company and the credit report agencies to demand validation of the debt they are trying to collect. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt This company instead reported the accounts to experian and equifax after they had been removed from XXXX because they could not be validated. These accounts were reported to the above agencies on XX/XX/2017, and I did not receive a reply regarding my request to validate until XX/XX/2017. 

Not only were the accounts reported to XXXX agencies while it was being disputed, the only reply I received was a simple form letter with dates and amounts, not any verification. 

There was no proof of any type that this debt belonged to me as I demanded. Their was no date of verification nor any documentation of the authorized HIPAA business relationship between ARS and the original creditor. Being that I was insured at the time it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Both customer reps from the 3 credit bureaus XXXX, Transunion and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Payday loan, title loan, or personal loan

I was a victim of identity theft with multiple local loan companies in XXXX SC. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
Product: Debt collection

I have experienced Identity Theft. A thief stole my identity and opened a fraudulent XXXX XXXX XXXX  wireless account in my name ( ph # XXXX and XXXX XXXX XXXX acct # XXXX ) on XX/XX/XXXX. I found out about this theft when I received a call from a collections agency in XX/XX/XXXX who stated I owed them {$290.00} for unpaid charges on behalf of XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke to a XXXX who stated that the address on this account was listed as XXXX XXXX XXXX, XXXX, FL ( where I have never lived ) and that the transaction was conducted in XXXX ( which I don't speak ), along with other details. XXXX led me to believe this issue would be resolved. Instead, as of XX/XX/XXXX, I have discovered that my XXXX score and credit rating has dropped significantly, and XXXX XXXX XXXX XXXX has put me back into collections with a different collections agency. In short, XXXX XXXX XXXX needs to resolve this issue and correct my XXXX score and credit rating!! I already have long-term legitimate wireless accounts with XXXX XXXX XXXX  XXXX along with other expensive services ) and I can't believe this is how they treat a long-time customer.
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 time and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has refused to send my credit report that respond with lyes and marketing techniques to get me to pay, I have sent proper copies of XXXX Bank Statements and proof utility bills ATTACHED these communication tactics to market and get me to pay is illegal and Consumer Finacial Protection Bureau has been on notice for years and you as a agency protect the companies etc NOT THE CONSUMER there is no excuse as well my email is the only thing that changed and holds no weight in mailing my reports XXXX is the only company that complied
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report to receive an update. On the report it showed 5 accounts that were fraudulent and unverifiable by myself. I proceeded to write to the 3 credit bureaus regarding these accounts and stated in each letter that I would like to receive proof of their investigation and documents that these accounts belong to myself. All 3 credit bureaus sent me a letter stating that the debts were verified and provided a copy of my credit report but did not provide proof of of how it was verified. I filed a police report on XX/XX/XXXX stating that I am a victim of identity theft and provided a copy to the credit bureaus. To date I have received the same response despite the fact that I have demanded proof of verification. I believe that all 3 credit bureaus ( XXXX, XXXX  and Transunion ) are in violation of the FCRA statutes.
Product: Debt collection

They never tried to contact me and haven't returned my phone calls or voicemails. I tried reaching out but they never answer. So I don't have an idea on what I owe or how much, just a bad mark on my credit score.

I reviewed the company on XXXX and it seems like this is standard practice for qualia collection services. 

They harass people and just use their business to make people 's lives worse without any good faith from a first contact with a new customer.
Product: Credit card

I had XXXX someone in accident but it didnt let cancel or get my money back
Product: Checking or savings account

Ive been with Wells Fargo for 14 years and have had fees from my account taken from there. There is a lawsuit where I should get compensation and I havent received anything from them yet
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry on my credit report that I do not recognize, as reported by XXXX XXXX. As a responsible consumer, I regularly review my credit reports to ensure their accuracy and to safeguard my financial reputation. Upon reviewing my recent credit report, I discovered an inquiry from XXXX XXXX dated [ Date of Inquiry ] that I have no knowledge of or any association with. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this inquiry has been reported in error and may potentially be the result of identity theft or some other form of mistaken reporting.
Product: Money transfer, virtual currency, or money service

Paypal told me this message on CFPB case # XXXX : " provide photo ID for the name that was provided at the time of your Account creation, XXXX XXXX. ( End of Quoting ) .... But previously Paypal Told me this message on CFPB case # XXXX : " You will need to withdraw your funds to a XXXX XXXX. '' ( End of Quoting ) ... I actually DID both Paypal requirements, I uploaded my Photo ID and I try to add my XXXX XXXX  ( but my XXXX XXXX  decline or deny due to Paypal GLITCH ) and this a LOOP ... Paypal i am keeping uploading my document and i am keeping adding my XXXX XXXX   several times, can you please FIX your GLITCH or allow access my funds is more than 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR TransUnion 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violate my Rights.

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.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed the above-mentioned item through XXXX XXXX, and they attempted to reach out to Equifax. However, Equifax has failed to respond to this dispute. The case number from XXXX XXXX is XXXX. I have not received any written response from Equifax to date, which is now 57 calendar days past the initial dispute.This failure to respond violates Section 611 of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that credit reporting agencies complete their investigations within 30 days. I am attaching documentation from the courthouse that supports my claim that the XXXX XXXX  Bankruptcy information is inaccurate.On XX/XX/year>, I was denied a credit application from XXXX due to the erroneous bankruptcy reporting on my credit report. I have a copy of the denial application for reference.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may n treat a payment on a credit card 365 account under an open end consumer credit plan as late for 3554 and purpose.
Product: Mortgage

None of your listed issues is are applicable. I received a deferment on my mortgage. I was never delinquent. It was a CARES deferment. 

I saw on my credit report a notation from the mortgage company stating i was experiencing financial hardship. Is that permitted under the CAREs act??
Product: Money transfer, virtual currency, or money service

This complaint is about Santander Bank which seems to have very lax security measures. 
On XX/XX/year>, an unauthorised transaction of {$15000.00} was made out of my bank account. I raised a complaint with the bank ( case ID XXXX ) and after following up with them for over 10 days, they claim to have resolved it by depositing the money into my bank account- which is supposed to be frozen/ blocked. 

They claimed that I needed to visit XXXX of their branches to get my money back. However, I live on the XXXX XXXX and can not visit any of their branches which are all on the XXXX XXXX. 

They promised to send me a check but haven't done so. They have also refused to provide me a XXXX XXXX of this process. 
In a way, while claiming that they are returning my money, they have refused to allow me access to that money in a systemic, well-thought manner. 
Instead, they have wasted so much of my time in making me run after unnecessary stuff - I have had to take leaves from my XXXX XXXX and am now planning to spend thousands of dollars to make an XXXX XXXX trip to get my money back
Product: Credit reporting or other personal consumer reports

Why are these negative accounts still on my credit report. I have sent several letters for these accounts since XX/XX/XXXX but they still have not been removed. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$19000.00} XXXX XXXX XXXXXXXX. XXXX, XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX  XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX. XXXX, XXXX {$520.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying multiple and countless times to correct my Credit Report by having the disputed accounts corrected and fixed and or completely removing the disputed accounts from my Credit file, but my requests have been constantly ignored. I am now submitting this CFPB complaint to warn the Credit Bureaus that in the event they do not comply with my requests and do not correct or remove the disputed accounts from my Credit File, I will be filing a lawsuit. Under the provisions of the Fair Credit Reporting Act, I am expecting that the Credit Bureaus will have the disputed accounts fixed and or removed from my Credit File. I am expecting that the Credit Bureaus will conduct another investigation and ensure that the disputed accounts are reporting accurately as required by law. If it is easier to deal with a lawsuit than correcting my Credit Report, so be it. I will be needing the correction of the following accounts completely from my Credit file : XXXX XXXX  XXXX XXXX XXXX Owed : {$63000.00} XXXX  XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2023 : I contacted all three agencies XXXX, TransUnion and XXXX. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.
Product: Vehicle loan or lease

BMW claims I did not submit my deffered payment application on time which is not true. The application process is extremely difficult and confusing to the average user my contact with them were multiple and we'll documented I am seeking a fair review of my original application and would appreciate your assistance on this very matter. My contacts with BMW include but are not limited to the following. 

XX/XX/XXXX- XXXX approx at noon XX/XX/XXXX XXXX `` '' XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I spoke with an employee they were unable to assist me I was calling to inform them that their portal was not functioning correctly and I require immediate assistance no fault of my own I was unable to successfully submit the required paperwork through the portal on the BMW app due to the state of their portal functionality.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.