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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX account # XXXX, 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am having an issue getting my consumer report from Chex Systems , Inc., I want Chex Systems to mail me a full and complete copy of my consumer report ID : XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced account numerous times from  XXXX   XXXX  to  XXXX   XXXX ,    2017 wit h the creditor. I still have yet to receive a positive resolution. On  XXXX   XXXX ,  2017, I r eceived another credit alert from  XXXX  reflecting the incorrect balance Capital One is reporting to  XXXX ,  XXXX , and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

According to TransUnion XXXX XXXX XXXX  XXXX  XXXX met FCRA requirements. In XX/XX/XXXX I went over the credit limit. XXXX XXXXXX/XX/XXXX XXXX were quick to report it to all 3 bureaus. The day after I realized I went over the credit limit I made a payment to bring my balance under the credit limit. XXXX XXXX XX/XX/XXXX XXXX were not quick to inform the 3 bureaus I made a payment. I contacted XXXX XXXXXX/XX/XXXX XXXX and informed they report all payments at the same time to all 3 bureaus. XXXX is behind in its reporting of my payments. How is this fair to the consumer? The positive and the negative should be reported quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND EXQUIFAX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX  XXXX  XXXX-NOT MINE XXXX/-NOT MINE XXXX  XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX  XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE
Product: Credit reporting or other personal consumer reports

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

According to my credit report, the accounts are all follows : XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT  XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX
Product: Credit card or prepaid card

My chime account for credit building is in accurate cause it states that I owe XXXX in credit debt I owe wich is in correct. This chime builder account should show I have XXXX in available credit cause I put monies In this account. So IT SHOULD NOT SAY I OWE THIS MONEY AS A DEBT. THANKS
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These entries were fraudulently added as a result of identity theft due to a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ), I am exercising my right to have these items permanently removed from my credit report. 
Fraudulent Accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had been receiving emails from this company stating that they now had ownership of a debt that I owed. I was not sent any information about disputing the validity of the said debt so I sent a reply to the email that had been emailing me and asked for proof by Usps mail of the said debt and any information that had been turned over to the company on XX/XX/2022. I never received a response with the information I asked for ; now here we are XX/XX/2022 I receive an alert from my credit reporting account that a collection account had been placed on my consumer report! I had already disputed the account with the original creditor because we had entered into a settlement and because of a mishap on their end they ended up removing the information from all consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below.

I have a right to an accurate credit file and these type of inaccuracies are unacceptable! 

Account No. XXXX Amount {$52.00} Account No. XXXX Amount {$64.00}
Product: Credit reporting

I filled out all of the information on-line and then there was no report. Is it supposed to be emailed? It just was n't there.
Product: Mortgage

To begin with I have a FHA loan with Wells Fargo. Initially they stated I had abandoned my property and they attempted to escalate the foreclosure due to the abandonment. At this time I still lived in the property and wanted to keep it. Next I was able to get in touch with the foreclosure attorney to advise of my intentions. I went through the process of trying to get a modification and it was declined within a week due to affordability. I disputed this decision due to I received a pay increase and bonus money since the documents were submitted. I asked about an appeal due to the additional income. The agent XXXX tried to dissuade me from submitting an appeal and basically saying there was nothing I could do. When I went to ask additional questions the phone hung up. I attempted to call back but could not get through. Wells Fargo is intentionally trying not to do a modification due to this being a government secured mortgage loan. They raised my payment entirely high before to make the home unaffordable. Please review my case and review this call from XXXX. I believe Wells Fargo is engaging in unfair and deceptive business practices. Please review my case for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX with XXXX XXXX and Equifax and just last week opened a new credit card with XXXX with initial zero APR for 18 months and a credit limit of {$11000.00}. As a result I transferred my balance from my cards with XXXX XXXX, XXXX and XXXX XXXX. I thought with the approval of {$11000.00} it would reduce my debt to credit ratio and thereby boost my credit into XXXX but rather my credit score has been reduced by XXXX points. 
I called Equifax this morning to explain to them but the asked me to go to their website to get the right score. After collecting a lot of data ( dob, SSN, address, zip code ) they wanted me to sign up for a monthly subscription for {$9.00} because they said the report I saw from XXXX XXXX is a third party and I told them its your name attached to the report. 
I think my score should rather go up instead of going down since I have increased my credit by {$11000.00} thereby reducing the debt to credit ratio and also they are trying to make money out of me to see the same score that they themselves have reported. 
Thanks
Product: Payday loan, title loan, or personal loan

I was looking into payday loans for travel expenses to a family XXXX. I read through the fine print and decided against it. Id be paying over {$700.00} back over several months for a {$300.00} loan. Ive used Check XXXX XXXX without problems.. I received emails saying I needed to sign. I did not. I was shocked and infuriated to find that the funds ( {$300.00} XXXX had been deposited to my accout on XXXX/XXXX/XXXX. This was not a cometed loan, I found other options to get to the XXXX. Ourfirdt payment is due on XXXX/XXXX/XXXX in the amount of {$84.00}. I will be contacting my bank in the morning to stop payment. I feel this was fradulent and dishonest behavior and that i should not have to pay, Since I didnt authorize the loan in the first place. What are my options?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit card or prepaid card

I have two sears accounts reporting to my credit. One account I know about. The other I did not open. My wife is a XXXX  and she called Sears on several occasions and asked for the application for the card, everything with my signature and all purchases. They responded with bills showing no purchases, nothing with my signature and no application. This card has a {$520.00} balance and these are not my charges. They have not provided me with dates. All I have is the information on XXXX XXXX  collection opened in XX/XX/2019. The statements Sears sent us show inly balances no charges no payments. I think someone intercepted a new card in my mail and charged it but I cant even file a police report because I dint know the dates etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Debt collection

Credit Control corporation is a medical debt collection agency whereby I am XXXX  by medical doctors on my job and while employed in the ER, they then use whatever I say as fraudulent legal cases. 
Some medical facilities involved are ones in which I worked and may also be related to hospital billing. Took negative legal action, stole property, stole real estate and interfered in legal cases. 
May involve XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX with others. Targeting by doctors and their collection attorneys ... XXXX and harassment to illicit medical care then targeting for not paying the bill.
Product: Mortgage

I paid my XXXX mortgage payment over the phone on XX/XX/XXXX ( 8 days before it was due ) and Fay Servicing took it out of my account on XX/XX/XXXX ( see attached proof ). 
Fay Servicing never credited me for that payment and even after talking to XXXX representatives from their company, they still pretend I didn't pay my mortgage on time.
Product: Student loan

Navient is over charging me on payments for my student loan. When I initially signed up for this loan in college I was super uneducated about the simulations of obtaining a private loan. My grandmother was n't computer savvy and I should of just read more. We have been harassed over the years and the payments have increased. I know for a fact that I 'll be making these payments until the day I die. I work within the XXXX field but I also think there are simulations on whether or not I qualify for the Loan Forgiveness Program. There has to be a solution for my problem. Please help me!
Product: Checking or savings account

Was sent a dated promotional offer via mail with my name and address for a sign-up bonus to bank with Commerce Bank XXXX I took the physical offer to the bank and opened an account within the sign-up period. I met the requirements from XX/XX/XXXX date of opening to the XX/XX/XXXX promotional window. By that time I had held the minimum balance that they required of {$300.00} and had made more than the required 10 transactions. Bonus was stated to be paid out first week of XXXX. Never received the bonus so I went into the bank and spoke with an employee. They said it looked as though I had met the requirements and sent an inquiry to the team that manages the bonuses. A week went by and no answers, no bonus. So I emailed them through the banking portal. The response was, " You did not make 10 debit card purchases in the first 60 days after account opening. '' I replied, stating they have made a mistake as I can count and show 12 transactions between XXXX and XXXX. Have not received a response to my reply and it has been nearly a week. Have not gotten the bonus either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> I am writing to formally report unauthorized hard inquiries on my credit report as a result of identity theft. I did not authorize these credit inquiries, nor did I apply for any new lines of credit associated with them.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I attempted to make a XXXX XX/XX/XXXXaccount but the questions for the quiz portion contained inaccurate information about me so I couldn't create the account. I called XXXX XXXX and they informed me that Experian controls that information and then transferred me to Experian, after explaining my issue to an Experian representative they then transferred me back to XXXX XXXX. I then requested my credit report from Experian and discovered discrepancies. I called Experian and was left on hold for more than 38 minutes before they hung up on me. This occurred on Thursday XX/XX/scrub> 2025.
Product: Bank account or service

Chase Bank refused to add my spouse to my checking account with proper identification because the ID presented on two visits did not meet their standard of " legal and proper. '' All IDs presented are legally permitted ; temporary DL issued by Florida, XXXX XXXX credit card, valid XXXX Passport, Temporary work authorization issued by US Immigration, Social Security Card. None were accepted. On a second occasion, when planning a trip to XXXX with my spouse, the bank refused to put a travel notification on my debit card because they consider XXXX at risk for financial crimes. I have come to the conclusion that they are discriminating against us based on his country of birth and origin. All complaints to the company have been ignored.
Product: Money transfer, virtual currency, or money service

Dear CFPB Director : 1. XXXX XXXX ( now becomes Morgan Stanley ) claimed my 4 shares of XXXX stock from CA XXXX XXXX XXXX without my permission. 

2. On XX/XX/1992, CA XXXX XXXX XXXX paid $ XXXX.to XXXX XXXX XXXX XXXX 

3. I have contacted Morgan Stanley for last 5 months and requested Morgan Stanley refused.to return my money.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

Professional Credit Management falsified statements to obtain a default judgement against me. This is not my debt and I have not been served, nor has anyone in my household has been served. It is illegal to obtain a judgement without serving someone. In addition, this is not my debt! Release the garnishment asap!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services 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 in 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXXg ( XXXX ). According to, 15 U.S. Code XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

On XX/XX/year> a collection was reported to my account from NCB Management Services in the amount of {$XXXX}. HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE.

ENGELHARDT. V GRAVENS ( MO ) 281 SW715, 719 | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS