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

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021, I sent out a dispute letter to Experian in regards to inaccurate reporting on my credit report on both XXXX XXXX credit card accounts. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Experian to respond to my dispute letter and I still have not received a response to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a nearly 2 years of positive, paid on time credit report for Target credit card. I received bills on time and subsequently, I changed to paperless billing. 
I made a {$20.00} purchase in XX/XX/2018. I never received an emailed bill in XXXX, XXXX, XX/XX/2018. It was coincidence that I discovered a delinquency on my credit report. XXXX online showed I was being charged for the {$20.00} and late payments. 
Not once in those 3 months did I EVER receive a bill in my email re : my accounts. I immediately called about the absence of bills, was given no explanation nor apology, so I then cancelled my card. I felt this was a fraudulent practice by Target in NOT making sure bills were emailed. 
Anyone can see that years of spotless credit use and payment, that 3 month 's past due is not reasonable nor usual, especially for -- -- {$20.00} -- -- balance.
Product: Debt collection

7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name..I have written to Experian credit union and repeatedly they have shown negligence in removing fraudulent items from my report. I have spoken with supervisors for hours on end and gotten no assistance. My initial letters, police report listing fraudulent items and FTC affidavit were mailed to them XX/XX/XXXX. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulent being listed on my credit report under Experian. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required by law.I have spoken with numerous supervisors at Experian and XXXX and they have not done thier job to investigate. When I have provided the uploaded prove these were not mine, they still did not remove. This has NOT been done so therefore these items must be removed. XXXX XXXX XXXX # XXXX XX/XX/XXXX, {$380.00} ALSO INQUIRIES NOT MINE : XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX, XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
2. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to Transunion and XXXX. 
3. I have requested the following from XXXX and Transunion and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit report.
Product: Debt collection

It seems that there are  XXXX  separate collection accounts from the same agency for an   XXXX   XXXX   visit when my daughter   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  . I had never received notification of the debt. Only found out when I ran my own credit before shopping for a new car and a new house for my family.  XXXX   XXXX   XXXX  never submitted the claim to our insurance company so, of course, it was not paid. I contacted them to have them submit these charges to  XXXX   XXXX   XXXX   XXXX   XXXX  FL. They said they could not do that and to contact  Debt Recovery Solutions. Debt Recovery Solutions is either unable or unwilling to submit these charges to the insurance company as they should have been 3 1/2 years  ago. This should NOT be showing up on my credit. As a divorced mother of  XXXX , this is impacting our life greatly as I can not be approved for a mortgage with  XXXX  income AND this hanging out there. Please help me and my family!
Product: Debt collection

I received an alert from credit monitoring service stating I have a new account which is a negative entry of a collection account with Midwest Recovery Systems in the amount of {$660.00}. I never had an account with this company nor the original creditor or XXXX nor have I ever heard of them. I never received any written communication from either company in regards to this fraudulent debt and therefore is a violation of the fcra. This is is not my account and this fraudulent account has been placed on all 3 of my personal credit files illegally. By law I should have been sent a letter from this collection agency giving me 30 days to validate this debt, however I was violated of that right. I have sent a letter to this company requesting validation. This company is conducting illegal practices. I did n't have any collection accounts on my credit files until now because I pay my bills on time all the time. I 'm in the process of closing on a home loan and because of this blemish on my credit reports my score has went down dramatically due to incorrect and fraudulent information from this Midwest Recovery Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is involved in litigation and does not belong to me. I never established this account. I have advised XXXX XXXX and Equifax regarding this account that was obtained under my name. I have no knowledge of this account and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately which I did and it still has not been removed my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/21 to Experian, XXXX, and XXXX to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian, XXXX, and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Credit card

I need to dispute a few trans. I am not aware how to on the website. Please hep me out.
Product: Mortgage

I received a letter dated XX/XX/2022 stating that Citi and/or XXXX is unilaterally revising my final closing disclosure without my consent. This is illegal and I never gave any consent to do so. I want compensation if they want to change the contract. They should not be allowed to change a legal contract unilaterally.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise a complaint regarding an issue I have experienced with Cash App ( Square, Inc. ). Below are the details of my concern : Unauthorized transaction, failure to process payments, funds not received, account access issues, or unresponsive customer support. ] Date of Incident : [ XX/XX/XXXX. ] Amount Involved ( if applicable ) : $ [ XXXX ] Description : i have had cashapp for a long time now and they closed my account because i was receiving to much money. I have tried to call customer service to get my account back but their customer service is all a fraud Contacted Cash App support via [ XXXX ] on [ XX/XX/XXXX ]. 

4. Desired Resolution : I request [ refund of {$10000.00}, account reinstatement, explanation, etc. ]. I believe this is a reasonable resolution given the circumstances. 

I trust you will address this issue promptly. If I do not receive a satisfactory resolution within [ reasonable timeframe, e.g., 14 days ], I may escalate this matter to relevant regulatory bodies such as the XXXX XXXX XXXX ( XXXX  ), Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 

Thank you for your attention to this matter. I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this account on several occasions. I have no knowledge of any of these accounts
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report stating that I had a credit breach thay company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

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 the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Please provide me with a copy of an updated and corrected credit report showing this item removed.

I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

There is a collections account on both XXXX and Experian, XXXX XXXX, Ive disputed this account many times, this account is inaccurate its not mine, Experian and XXXX both refuse to disclose the investigation and both times come back and say results are consumer disputed in past verified and remained. This collection is not mine, Ive never had an account with original creditor, nor has the debt been verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on three occasions blatantly disregarded my request for a proper investigation into an account. I have shown proof. This time I will show PROOF that even their response to even a CFPB complaint is purposely neglected and mislead the complaint. 

Specifically complaint # XXXX all they did was attach irrelevant policy information to the dispute and lie about the investigation. 

Proof -- -- - their own statement response in the last dispute. " The respective results summaries were sent to you for review on XX/XX/XXXX, and XX/XX/XXXX. The latest results summary, along with a copy of your Experian credit report, will be provided directly to you for review. Please allow up to 10 business days for mailed correspondence to arrive. '' attached is those exact response documents. 

1. the mention dispute with the last CFPB complaint only consisted of one account in question. XXXX not the other accounts they mentioned. 

I only mention XXXX in the complaint. simply reading the complaint will prove that. 

one report they mention does not even mention XXXX the mention report by EXperian report sent XX/XX/XXXX is attached and only mentions one account not XXXX. but this was not included in the last compliant filed. 

2. the second mention report mentioned by XXXX does not UPDATE NOR CORRECT one single item. 

3. what i asked for in the last dispute was the detailed investigation the EXPerian Conducted which is required by LAW. 
What information did you get to verify the account? 

It is at this time that I will point out that in XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

What reasonable investigation did Experian conduct? 

seems that they parrot information, In this CFPB COMPLAINT I am requesting the result and details used by EXPERIAN that was used to conduct this investigation. 

the results I seek are for XXXX # XXXX only in this complaint. 

you must go above an XXXX investigation. 

what public document do you use? 
what did XXXX provide that I opened that account?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - I recieved my credit report and noticed XXXX inquiries that I do not recognize. I did not fill not applications for these companies to check my credit. I have a security alert on my credit and was not notified about these companies pulling my credit. I have highlighted the companies and attached my most recent consumer credit report. The company names are : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I was late in XXXX, XXXX, XXXX, XXXX and XXXX, XXXX on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) I was dealing with significant health issues and contacted XXXX XXXX  and spoke to an account manager and they agreed to lower my APR to 4 % and set-up my monthly payments on auto-pay. ( I have also attached statements for XXXX, XXXX and XXXX for reference. ) We negotiated this payment plan starting in XXXX. I had never missed any payments. I was told that with this payment agreement, no lates would be applied to my account. Unfortunately, XXXX XXXX did not honor our agreement and continued to report this account late. This false reporting of lates is seriously harming my credit score and these line items need to be removed and/or updated to report no late payments. I have contacted XXXX XXXX as well as the bureaus to fix my credit report however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX US DEPT OF EDUCATION XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 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: Debt collection

SUNRISE XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, NY XXXX This is a collection agency reporting that I owe XXXX XXXX mobility {$310.00}. I have called XXXX XXXX XXXX multiple times on this issues and Im current on my bill. I have never had a past bill amounting to {$310.00}. And they log every time they call me for any issues, none reported via XXXX XXXX XXXX. This agency has by far some of the worst review with multiple people reporting the same issue - them claiming they owe mainly XXXX XXXX XXXX XXXX XXXX XXXX XXXX has nothing on their end. And they are by far some of the rudest people to speak to. They gave me fake account numbers that have never been my account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the rights 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, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX XXXXXXXX XXXX reported a fraudulent account that was not opened by owner. Account is not tied to any address the owner ever lived at. Company kept reporting C/O after account was written off years ago. Multiple violations. I want the account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency gettogether and research the information once one disputes. Santander claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00}  and the account as closed. Santander claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. Santander claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because Ihave tried to rectify this erroneous account with Santander several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete. Thank you
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had a auto loan through navy federal. Times had changed for me to where I wasnt getting paid as much so I called the bank and stated I was unable to continue making for the vehicle and for them to come pick the vehicle up and we can set something up to where I can get this debt removed off my credit. They were supposed to come pick the vehicle up, I was told they would then auction it off and that I would have to pay the difference. They never came for the car. I have called multiple times in regards to this matter. Its been years and still the car is in my possession, they have only contacted me about the amount owed and that if I dont pay it will effect my credit. I have told them multiple times that I have the car ready for them to come get picked up or towed and they still have never come. I now have a debt on my account that is overly priced on a car that has been sitting waiting for the bank to repossess and never came. As they stated, it did effect my credit. Now I have a car thats been sitting. Most likely wont sell as much now which means I am now stuck with the debt of entirety which I feel is unlawful and unjust when they have been notified of where this car is for years.
Product: Money transfer, virtual currency, or money service

I have XXXX trying to get my money out of Gemini for OVER A MONTH the company keeps sending me false instructions I am wasting a lot of time and energy on this. please help me I am entitled to damages at this point I initally opened a complaint with you. complaint number # XXXX I am attaching their latest email with bad information
Product: Mortgage

We pay mortgage monthly including escrow for property taxes but have received multiple notices from our township that property taxes have not been paid since XX/XX/2019. I have called bayview loan servicing multiple times over the past few months but they have not yet paid taxes on this property nor resolved this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeated offenders to exploit the system leaving users vulnerable to scams.