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

I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results!
Product: Credit reporting or other personal consumer reports

I am a XXXX without a home, XXXX XXXX XXXX and with pending XXXX XXXX in three months time. 

I was denied Housing at the XXXX XXXX XXXX in XXXX XXXX MD, because of the negative Rental history in my Rental Credit report, per XXXX 

I called XXXX who provided me with the tel number of Experian Rent Bureau, at XXXX. 
I called Experian at the number and disputed the report and the amount quoted of {$5200.00} XXXX at Experian researched the issue, and informed me that the 7 year Statute of Limitations had expired, since the report was first made in XX/XX/2016. 
He therefore informed me that He would write to the Creditor, XXXX XXXX XXXX XXXX XXXX, and ask them to remove the negative report from my credit record, given the expired Statute of Limitations. 

He made the request and provide me with the account # : XXXX, as well as the case # : XXXX He informed me that it might take upto one month, and that I should call 'XXXX XXXX XXXX XXXX ' and inform them of the Findings and action by Experian, so that XXXX XXXX might expedite the removal of the negative Rental Credit. 

When I called XXXX XXXX, I did not get much cooperation, despite informing them I had disputed the record and amount, and that Experian Rent Bureau wanted the report expunged from my credit, since 7 years was up, and also since I was homeless and the negative report was holding up my application at the XXXX XXXX XXXX in XXXX XXXX MD. 

I tried to explain that as far as my recollection when I left XXXX XXXX apartments, the outstanding Rent was not more than {$600.00}, and was the part to be paid by my partner who had separated from me, and is divorced from me. 

I was not successful as XXXX XXXX wanted me to pay {$2600.00} to resolve the issue, despite the expiration of statutes, and my dispute of the supposed owed amounts.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit file, as they were established without my knowledge or consent due to a recent data breach. This request is made in accordance with 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX I submitted a dispute via certified mail regarding an entry on my credit file and according to the FCRA a company has 30 days to prove validity with ( ie signed contract, not a bill as it does not validate. They have broke their contract by choosing not to provide proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a number of letter disputes and i they have not fully complete my re-investigation i have unauthorize and fraudulent inquiries on my report still i would like to have these deleted and company has not respond to my reinvestigation i have submitted over 30 days ago. my name is XXXX XXXX i am sending this complaint on my behalf please do not allow company to use stall tactic like they have before
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX  i received an email from this company Cashnet USA who has being sending me fraudulent applications for loans with my personal information. I never applied for these loans. Someone there has stolen my personal information and open loan accounts in my name. I have filed a police report on CashNet USA also filed a complaint with the FTC, State and Federal Consumer Protection Agency.
Product: Mortgage

This is very simple, but seems to be complex. I had a mortgage with Wells Fargo for 11 years, and never missed a payment. I refinanced XX/XX/XXXX, and have had this mortgage with Wells Fargo for over a year, and never missed a payment. So far, so good, right? I can not get XXXX or XXXX to reflect that the XXXX Mortgage was for 11 years ... .they show the dates, but on XXXX , neither XXXX or XXXX show 11 years credit, and that is what I need on my report ... .longevity is important to show my good history. 
Wells Fargo show the years XXXX-XXXX, but the XXXX are not showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all 3 credit bureaus and creditors and nothing was done to remedy the fraudulent information on my credit profile.
Product: Mortgage

XXXX people just called me from XXXX. In talking with them I asked if they were recording the conversation ; they said they were. I told them that they had not informed me about that. They seem to think that when they initiate the call they are somehow not responsible to tell the consumer they are recording it. It appears they may have done this at least once back in XXXX, as this person just told me. This all relates to my previous complaint against them : XXXX.
Product: Debt collection

It has been months and many months, I noticed that LVNV funding LLC placed {$720.00} in my credit report for collection. I never gave LVNV funding LLC my consent and authorization to place any information in my credit report. I never received any products or services from LVNV funding LLC. I never entered into a legal and lawful contract with LVNV funding LLC. I demand that LVNV funding LLC provides me proof of a legal and lawful contract between me and them. I demand that LVNV funding LLC provides proof beyond any reasonable doubt that I ever gave them my consent to defame my honorable character with XXXX XXXX and XXXX for the alleged debt. Finally, I demand that LVNV funding LLC remove their fraudulent account from my XXXX XXXX and XXXX credit report immediately. 

P.S I demand that LVNV funding LLC validate, verify, authenticate this alleged debt. I demand this alleged claim is deleted from my XXXX XXXX and XXXX credit within the next 7 days.
Product: Debt collection

Company states they have tried calling and mailing me letters. I never received any letters and they are suing me. But when they were serving me they went to the wrong house and served the wrong person.
Product: Credit card

A XXXX switch was returned to XXXX on XX/XX/XXXX under order number # XXXX worth {$210.00} and the total amount was supposed to be refunded to my credit card that I used to paid for but XXXX refuses to refund the money back to my credit card because they claimed that the refund was issued to a gift card that was never given to me or used by me so how is that even an acceptable excuse? Ask them to prove that I myself used that supposed gift card to see if they can prove it. I opened a claim with my bank Wells Fargo but they did not help either even thought I showed them the proof and shared the facts which is very disappointing for a bank I've been with for a file now that does not have their customers backs.
Product: Credit card

I was suckered into this scam with promotional rates. I had my card on autopay and there was an issue in CareCredits end that they apologized for at first. Got me back in autopay and was fine for a few months. I got married and my wife and decided to converge accounts. I added my new bank account number into the online portal and they acknowledge it was entered. But the autopsy switchover they say did not take place. I closed that previous account and they tried to take money out of it. Came back to me and said that that was my second chance for missed payments even though they were the ones that screwed up. Closed my account. And now charged me over XXXX dollars in interested. DO NOT USE THIS COMPANY! They do not care about consumers. They do not care about customer service. And all they care about is sucking as much money from consumers as possible. I can not believe for one second that a company like this exists. But they have proven time and again that even if THEY mess up, its still the consumers fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of both company data breaches when XXXX  system was compromised and this past year I was notified via email of the issue. I went from having 12 Inquiries that I have valid accounts for to 49 and some are done in the same day multiple times and some in the span of 3 days. I have not done the 49 inquiries. I called Equifax multiple times for help to rectify the situation and to no avail I am still in the same spot, they told me to call each creditor which I attempted to do with 5 of them but i have the same result they have no knowledge or information showing I applied and to call Equifiax back this has been on going and it just seems as if Equifax does not want to help when their system compromised my information. I have provided the inquiries below and before they send a definition of what a hard inquire is I know very well a factual record but its not factual if somebody is using your information. So I have a Security freeze on my reports now.

Below are the following inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have tried to make payments on my account despite loss of income and told they would not take anything less than total due. After I paid the entire past die amount they immediately closed out my cards which NEVER went 90 days past due, only  XXXX , they falsely report past due amounts, I slowly caught up but a few cards remain behind by a few days to over a month a s I contin ue to try to pull myself out of debt. The company Synchrony bank continues to call me multiple times a day, averaging to an hourly bases despite me talking to the company representative. They call as early as  XXXX , as late as  XXXX , on the weekends, and call my family members, they have my phone number, I have told them multiple times to stop calling my family members phone numbers but they continue to call.
Product: Debt collection

I many times offered to transfer property Deed for the property located at XXXX XXXX XXXX XXXX Michigan XXXX to ANY alleged " Creditor '' in exchange of my original documents - original Promissory Note, original Mortgage, original Assignments [ if any ] and for release of all liens signed by an authorized employee of the Creditor without any responses or avail from the Creditor. This is my third demand via my third CFPB complaint to provide me a personal meeting with an authorized employee of the Creditor to transfer property Deed in exchange of my original documents and wet-ink signed releases of all liens.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. TMCC/TFS is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have at {$4000.00} debt with XXXX XXXX that is not mine. I have taken EVERY STEP to have this removed from all 3 bureaus and the only one that refuses to remove it is Transunion. I have asked for the derogatory account that does not belong to me to be verified and validated for over a YEAR and it still has not been done. I only receive a letter that says that the account has been validated and verified but I have never received the evidence that it is mine. I have asked for this with no paperwork or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes. Upon review of my consumer report, I found an item that is inaccurate or questionable. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : FLORIDA XXXX XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The XXXX XXXX, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this bankruptcy that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of this bankruptcy then please delete this immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my consumer report and distributing them to credit bureaus you are damaging my reputation and creditworthiness and I will seek damages if they are not removed and you are unable to provide the necessary documentation. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this bankruptcy within 30 days of receipt of this complaint then you must remove these accounts from my consumer report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of Florida. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. Please provide me with a copy of an updated and corrected consumer report showing this bankruptcy item DELETED. I demand the following accounts be properly METRO 2 COMPLIANT verified WITH EVIDENCE or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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: 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 from 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: Debt collection

To whom it may concern, MCM-Midland Credit Management Keeps contacting me, i told them i have no Knowledge of the account, I told them i want a copy of the signature they say is mine. all they can provide is a bill on what was charged ( this keeps going on ) with MCM. now they have threated me ( this is the 3 collection co. ) the others removed me. then mcm bought the this from another collection co, They can not verify the account other than a bill for XXXX XXXX, i Don't even have a credit card for XXXX XXXX ) they are threating to sue me. i sent them a letter told them if they cant find a signature then i will get my attorney involved, ( they seem like a scammer, will not take no for an answer. MCM ( Midland Credit needs to close up ) will not take no for an answer. ( Scammers ) I want a copy of the Signature, that they can find.