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

I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX
Product: Debt collection

On   XXXX   XXXX   I submitted a dispute to all three CRAs. I have received the results from   XXXX   and  XXXX , but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  Barclays Bank of D elawar e in Court. E ach report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed d ate. Dispite  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt . Barclays Bank  has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this letter on my own behalf. 
I've received a copy of my credit report and found the following items to be in error : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC section 1681i ( a ) must complete the re-investigation within 30 days and provide me a copy of the original creditor 's documentation file, to verify this information is mine. Furthermore, FCRA section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) states that the original consumer contract must have my signature. If no proof otherwise, section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, I pulled my credit report from, Experian, and they have given me nothing but a hard time and are continuously reporting inaccurate information on my credit report and have refused to remove the inaccuracies. As provided for under the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 USC 1681 ( 4 ) and 15 USC 1681b ( 2 ). These sections of the FCRA outline consumers ' rights to accurate credit reporting and the obligations of credit reporting agencies to ensure the accuracy of the information they report.

According to Section 15 USC 1681 ( 4 ) of the FCRA, it is the responsibility of credit reporting agencies to maintain accurate and up-to-date consumer credit information. Additionally, Section 15 USC 1681b ( 2 ) stipulates that credit reporting agencies may furnish credit reports only for permissible purposes, such as for use in connection with a credit transaction initiated by the consumer.

I have recently obtained a copy of my credit report from your agency and have identified several inaccuracies in the reported addresses. These inaccuracies are not only damaging to my creditworthiness but also violate my rights as a consumer under the FCRA.

Specifically, the following addresses are inaccurately reported on my credit report : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not live at the address listed above. Therefore, their inclusion on my credit report is erroneous and misleading. 

I request that you conduct a thorough investigation into these inaccuracies as required by law. I expect that you will promptly remove the inaccurate addresses from my credit report and provide me with a corrected copy, free of charge, in accordance with Section 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA.

Failure to take appropriate action to correct these inaccuracies will compel me to pursue further remedies available under the FCRA, including but not limited to legal action.

Please acknowledge receipt of this dispute letter and inform me of the steps you are taking to address my concerns. I can be reached at the contact information provided above. 

My proof of address and identity is attached below.
Product: Payday loan, title loan, personal loan, or advance loan

I simply want to change my primary phone number on my account so I can log in to my account to pay my bills. They will not update my primary number even when I called from a verified number on my account, verified my last 4 of my social, address info and email address. I am also entering my account password. How much security verification do I need to simply get into my account? 

They want me to send a picture of holding up my license to my face and another with a statement of my account information. I can not get my statement because I can't log in to print it. They are causing me unnecessary additional fees because I would like to try to schedule payments but they are refusing to simply change a cell phone number.
Product: Student loan

I was charged a large amount of money. My college also closed down and I was not able to transfer and it finish school ... they did n't want to help ... it took almost a year and they only forgave XXXX dollars ... .I 'm still not able to finish school. I 'm too if that I am very confused on how they operate.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

Jefferson capital systems is adding old collection items that are past seven years old back to my credit report. They added {$1400.00} from an old XXXX charge back from XXXX. I would like this removed off my report. Be wary of Jefferson Capital Systems
Product: Mortgage

I worked with a loan officer name XXXX @ Polaris home funding group. He was helping me with my first mortgage loan but failed to disclose information to me that was part of the contract, such as dollar amounts. 3 days before closing I was told to sign the contract by his under writer XXXX and that I need to rush it and that the dollar amounts on the contract was n't correct but will be fixed by our closing date which was XX/XX/XXXX. I asked XXXX, XXXX and XXXX why are we waiting three days and they just stated we have to wait for things to go through and then questioned me if I was getting cold feet. They never mentioned the fact that I had those 3 days to resend with no penalties. XXXX and XXXX also told me a different amount that I would be paying for my mortgage before closing and at closing it was a higher amount. During this process I was rushed to sign paper work which I did read but did n't understand it and when I ask XXXX to explain to me he became very rude and told me that he was n't in the business to educate which left me to looking my questions up on the internet. XXXX bother XXXX was also my real estate agent who failed to explain anything to me as well and went alone with XXXX and suggested that I rush all signatures. I also had questions for XXXX about the home I was purchasing and he as well ignored my questions and stated he would get back with me but never did ... During the closing I was n't represented by anyone from Polaris and when I was signing the contract the information was different and when I called XXXX on speaker phone he again became very rude and stated that he changed the numbers to benefit me but failed to disclose any of that to me. XXXX then stated that I can just not close that day and threaten me and stated that I will have to pay more at the next closing if I did n't sign the contract. At that time the title representative advised me of my rights and the listing agent XXXX advised me that my real estate agent has n't been in contact with her about any of the questions that I needed answered. With that being said I signed the contract even though I was extremely upset because this was the worst experience I 've ever had and this happens to be my first home purchase. XXXX was withholding information to benefit him and his brother who happened to be my real estate agent. Polaris Home Funding group has agents that have unethical practices.
Product: Debt collection

I sent a certified letter asking for validation of debt. I asked them to provide a breakdown of fees including any and all collection cost and medical charges. To provide a copy of my signature with the provider of service to release my medical information to them. 
They only sent me a letter stating they represent such company and verified the information with client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; that are 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 any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please comply with the Fair Credit Reporting Act section 605b and have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

the original creditor closed this charge off account in XXXX XXXX they sold the charge off account to a debt collector.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

I was approved for a FHA XXXX fix up loan of XXXX. From PRIMARY RESIDENTIAL MORTGAGE XXXX XXXX PA. I never asked for it although they seemed very helpful and wanting to give to me. They have all my bank statements of 7 months up to date last week along with taxes for 3 years. My credit was good XXXX and they knew from beginning I was contract labor. 15 years same company in fla to move to same company in Nj. I have plenty for down payments and move. Paid inspector etc. To then add Mom to loan to all being better and sent to underwriter. All good. We have a contingency contract with my place on a place in nj. 60 days to close. Now 30 to pull my credit and Mom 's again 3 days ago along with bank statements to that day. Told all good to ne t day dropped. Telling me I need to have paychecks and rent in nj for 6 months first.?? Contract labor?? From beginning known I paid off moms XXXX dollar loan for this and almost XXXX car note they wanted to tell me this. Im beside myself. They dropped my credit points low from repulling to dump me. I emailed corporate to them tell me I'm contract labor stuff again. No kidding. They knew from beginning. I have a work letter new job. But I live in fla. Hello. This is outrageous. Has left me searching for a loan to hopefully get my dream house back home. please help. Sincerely XXXX XXXX. I have all dates etc. Anything you need. Don't use PRIMARY RESIDENTIAL MORTGAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XXXX  of XX/XX/2010, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XXXX of XX/XX/2017 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2017 I took out a {$8500.00} loan with one main and was advised that I would need to purchase unemployment protection and other products. I have attempted several times to cancel these XXXX  after I was unable to use XXXX of them during my departure of my employer. One main agents have refused several times to cancel these products at my request advising that I missed the deadline when in fact I did not. My first request for cancellation was within the period of the policy and a XXXX XXXX  XXXX  told me she will send me cancellation documents when she never did and refused to take my calls following my request.
Product: Money transfer, virtual currency, or money service

Hi there, PayPal have closed my account and are holding XXXX British sterling pounds. I believe this is a mistake as I have done nothing wrong. they have said they will be holding my funds for 180 days and this is disastrous due to covid. please can you ask them to release my funds and restore my account as I am a genuine customer and they have told me they will close the account after 180 days. My PayPal account is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt consolidation company pay in full my balance ending XXXX of 2020 of my XXXX account. 
It still shows a balance of {$1400.00}. 
I have a letter from them saying it is paid in full.
Product: Credit reporting

Failure to investigate completely. Accounts being reported in multiple categories, old accounts that are resold and relisted as new. Allowing removed accounts to resubmit.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the unlawful reinsertion of a XXXX XXXX XXXX XXXX ( XXXX ) charge-off account on my credit report after it had previously been removed due to an identity theft dispute. On [ XX/XX/year> ], I filed an identity theft report with the credit bureaus regarding this fraudulent account. 
The credit bureaus investigated my claim, determined that the account was fraudulent, and removed the XXXX charge-off from my report. 
However, as of recently, I discovered that this same account has been reinserted on my credit report, appearing under TransUnion and Equifax, XXXX despite having been previously deleted.
Product: Checking or savings account

Well I had my account hacked hacked for {$1100.00} on XX/XX/2023 and then I got my account hacked on XX/XX/XXXX 9 times during the day and then they sent me a replacement card when they close my account and when I tried to activate it they deem me ineligible for their services even though they know I wasn't responsible for my account being hacked and they never really gave me a reason and that was on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not ask for, nor do I want a fraud alert on my credit file whatsoever. Please remove any and all fraud alerts from my credit files immediately.
Product: Money transfer, virtual currency, or money service

Someone hacked my cash app and stole money that was initially in my cash app and then requested money from my bank debit card and took that too. I reached out to cash app via their support team the day it happened but they refused to help me. I disputed the transactions with my bank and got most of my money back however cashapp is holding me responsible for the negative balance due to that dispute, plus they claimed to investigate the fraud but never did- they simply got back to me in a matter of hours and said the charges were authorized by me. The transactions are listed here : XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$82.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX Standard transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$98.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$86.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$49.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$98.00} XX/XX/XXXX XXXX XXXX XXXX XXXX transfer {$0.00} + {$99.00} XX/XX/XXXX XXXX XXXX Cash App payment {$0.00} {$99.00}
Product: Credit card or prepaid card

XX/XX/XXXX received letter from Chase Bank denying credit card as they could not verify my information. By the time I was able to contact someone there on XX/XX/XXXX to let them know I did NOT apply for credit card they had issued a XXXX  Credit Card and a debit card in my name on XX/XX/XXXX. Someone was able to verify my information and it was NOT me. Their fraud department has opened an investigation claim # XXXX but I have since received these cards in the mail. I am worried there may be checks out there also that I have not received. 

I checked my credit reports and found XXXX XXXX had done a hard inquiry. On XX/XX/XXXX I contacted XXXX XXXX and they admitted someone tried to open an account but said they were not able to verify the information so they did not open it. Meanwhile, a couple days later I received a XXXX XXXX XXXX XXXX debit card in the mail. They will not communicate with me and only said they will take the hard inquiry off the credit bureau. I don not think they are even investigating. 

XXXX XXXX  and XXXX XXXX also had done hard inquiries on my credit reports XX/XX/XXXX and XX/XX/XXXX but did not open accounts and notified me that they did not open accounts and contacted the credit bureaus remove the hard inquiries.