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

Dear Sir/Madam, I am writing to dispute XXXX eviction judgments that have been erroneously reported on my credit report. I have no knowledge of these judgments, and I believe they XXXX have been reported in error or as a result of identity theft. I am exercising my right to dispute this information under the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX. 

The judgments in question are : Case No : XXXX Filing Date : XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX Judgment Date : XXXX Judgment Amount : {$2000.00} Court : XXXX XXXX CT XXXX XXXX XXXX XXXX Case No : XXXX Filing Date : XXXX Plaintiff : XXXX XXXX XXXX XXXX Judgment Date : XXXX Judgment Amount : {$5400.00} I have no record of residing at the addresses associated with these judgments, nor do I have any knowledge of legal proceedings against me by the plaintiffs mentioned. I request that you conduct a thorough investigation into these items and remove them from my credit report if they can not be verified as accurate. 

As required by the FCRA, please investigate this matter and provide me with the results of your investigation within 30 days. If you find that this information is indeed inaccurate, please remove it from my credit report and send me an updated copy of my report showing that these items have been deleted. 

Additionally, please provide me with the name, address, and phone number of the information sources so that I XXXX contact them if necessary. 

Thank you for your prompt attention to this matter. If you need any further information from me to complete your investigation
Product: Money transfer, virtual currency, or money service

Customer with cash app someone had hacked my account and the money that I had in my account they purchase XXXX with it I've never signed up for XXXX before in order for you to use XXXX on cash app you have to verify yourself and everything and I've never verified myself and I did not understand how was it able to purchase XXXX with my funds that I had on my account well whenever my account had got hacked I reached out to cash out wasn't able to get a hold to anyone I had to talk to a robot and the next day someone called me back about my issue and I provided with them every information that I had on my end as far as it's showing whenever someone had hacked my account they took my phone number off of my cash app they changed the phone number on my cash app they changed the name on my cash app and put a new email on my cash app as well as locked me out of it I asked for a refund for my money 's back funds back from cash app and they denied me the funds back but they did gain access back to my account from the hackers and I had to change the email that I had had for the longest connected to my cash app to a whole another email and I also had to change my name and shorten it from the original name of my cash out
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2022 i written up a letter to XXXX, XXXX and Transunion about some fraudulent items i found in my credit report. I sent those letters certified mail and they were delivered to the credit bureaus on XX/XX/2022. In the letter i stated that i wanted validation of the accounts and asked for them to provide me with the following information : Pay off Disclosure, Interest Rate Disclosure, Balance History, Payment History, Credit Insurance, How the information was verified, and Include verification of the contract with my WET SIGNATURE. I also stated in my letter that i wanted all the requested information to be send back to my home address that i have provided for them. I am aware under federal law that i have to give them 30 days to investigate and for them to provide me with the validation i requested, if they do not do so i have rights for the fraudulent items to be removed from my credit report. On XX/XX/2022 XXXX sent me a letter only stating that they needed to verify my information because i indicated fraudulent items on my credit report. I called XXXX on XX/XX/2022 and spoke to a representative named XXXX and she was able to verify my information and provided me with a confirmation number. She also told me that my dispute with them was started XX/XX/2022. On XX/XX/2022 XXXX completed the dispute and only provided me with a credit report of only updated information saying verified accounts and provided me nothing of the information i requested from them to validate my accounts. Now with XXXX my same letter of validation was delivered to XXXX XX/XX/2022, they emailed me XX/XX/2022 of only my credit report stating only updated information to the fraudulent accounts and completed my case and provided me with none of the information i requested from them as well. With TransUnion i also sent them a validation letter for the fraudulent accounts and was delivered XX/XX/2022, they responded with a letter on XX/XX/2022 with only information about their investigation procedure, what i can do, and what more i can do to protect my info. Then on XX/XX/2022, they sent me a letter basically stating that the investigation was complete and only sent me investigation results stating they updated the information on the accounts and only stated that my accounts were verified. They provided me none of the information i requested in my validation letter and closed my case. I have put credit freezes on my credit and also activated identity theft on my credit and filed an identity theft report. I dont know what else i have to do to get them to remove or complete a proper validation of the accounts with information i requested from the bureaus. All the credit bureaus responded saying either the accounts were verified or they updated information and thats not what i requested from them in my letters. At this point i am very upset that the credit bureaus could not validate those fraudulent accounts properly as i requested and continue to report it on my credit and i was them removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of occurance was XX/XX/2018 with Discover Bank Account # XXXX, Amount of monies owed to XXXX XXXX is {$4100.00}. I am filling a dispute against Discover Bank due to account being reported to my Creditreport, This Account is Fraudulent and inaccurate. I reached out to the Credit Bureaus and Discover Bank and well to let themknow this account is due to FRAUD. I also filed several police reports XXXX XXXX XXXX XXXX ) and FTC reports File # ( XXXX ) .The Credit Bureaus are doing what they can to assist me with this matter, I even reached out to Discover to dispute this Charge/Account and informed them that this account was not mines but they refused to remove this account from my Credit.I 've sent Police reports/FTC reports signed Affidavit that this account isn't mines and they still refuse to remove the account even tho the name and address doesn't match my personal information. I informed Discover that I have been a Victim of Identity theft for several years and that my personal information was used to obtain goods in my name. The unprofessionalism of Discover Bank is horrible and needs to be addressed, I would like this to be resolved ASAP as Discover bank is causing harm to my finiancial freedom. I also filed a complaint with the Attorney Generals Office and The XXXX.
Product: Credit card

This complaint is regarding a purchase that I've been trying to make for the past 2 days online using my Ashley XXXXXXXX XXXX XXXX I have been receiving an error message that my payment can not be processed and that I need to check my billing address and payment information. I have checked everything, and it all seems to be correct. I have even called Synchrony Bank and Ashley Furniture Mart. Synchrony bank informed me that everything I verified was correct, so the point of contact was Ashley customer service. I spoke with a representative today and they advised me to use XXXX chrome and that still did not fix the problem. This has been overwhelming, and I have yet to get this problem resolved. This is a birthday gift that I am trying to have to my niece this week and the unfortunate circumstance is slowing down the process. I will attach the error message I am receiving as well as the email that was sent to the customer service agent that helped me. He advised me that if it didn't work when I tried XXXX chrome that he would assist me, but he has yet to reply. I even sent an email to the suggested email when I received the error message to no avail. I am requesting that someone reach out to me via phone to correct this problem. There is no reason why I should not be able to use my card. The product item # is XXXX. Please see the attached documents.
Product: Money transfer, virtual currency, or money service

I am finally a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices. Which violates CPFA. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

Discover Financial has included on my credit report an account that I have no responsibility for. They have refused to remedy the problem despite repeated requests to do so. This has caused my credit score to drop around XXXX points which has caused me to have XXXX bank loans refused, causing me a loss of business as well as other financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not want to take responsibility for fraud on my account after i placed a fraud alert for money hacked and stolen and they did not do anything about it. XXXX even sent me a letter stating if my account was ever compromised they would tranfer my funds to another account suspiciously months prior to the theft as if they already knew it would happen and still never did anything at all and left my account like that. I did not recieve anything in the mail from them. They are liars and owe me money. Their employees are theives.
Product: Debt collection

Credit Control , LLC is attempting to collect a debt and frankly is harassing me as well. the account is not an account that should be a collection account. in fact a formal complaint with creditor has been filed with XXXX twice as creditor is providing false information and violations of discrimination. 
Collection efforts must seize immediately and all reporting of this debt must be removed from all credit bureaus if applicable. All legal remedies will be taken if necessary to protect consumer financial rights violated at the cost to the original creditor and subsequent collection agencies. 

Reference # XXXX
Product: Credit reporting

Pleases Find Out Who Is My Address XXXX XXXX XXXX XXXX XXXX Or. XXXX I Moved Here Over 21 Year 's And Never Moved This Is A Home .Please Correct Thank You. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  Balance : {$4300.00}
Product: Checking or savings account

I used the Truist mobile app to deposit a XXXX check for {$8000.00}. 
They told me it was not processed so I took the check to another bank to deposit it then they took it back. 
By what I can gather now, it was sent to the Truist fraud department and my account was closed. 
After months, they told me it was a name discrepancy as my name on the account was, I think, XXXX XXXX XXXX. I signed the XXXX check XXXX XXXX which is on the check. 
They said it was fraud and never gave it back to XXXX to me. 
This was XXXX. 
I have tried since then to get it back. 
No one at the bank or XXXX will help. 
Im XXXX and need my money Thank you.
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 XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX  Account Number # XXXXXXXX XXXX Account Number # XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX, XXXX Account Number # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number 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 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am having problems with two of the three credit reporting agencies ignoring my justified request to remove a XXXX XXXX XXXX mistake, Trans Union and XXXX not only refuse to remove the item but refuse to even discuss its possible removal because the issuer is saying that its a valid claim still Just reiterate 10 years, California I think its three years but even if it wasnt theres a 7 year maximum. Additionally, XXXX immediately removed the item upon my request years ago. I have written both of them many many times over the years with no response and no have reached the point of contacting whoever I can for whatever assistance I can get to get this blight off of my credit. Thank you in advance for whatever assistance you can yield. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have contacted and spoken to, " XXXX '', and have been denied a refund from citizensbank. This matter is in regards to fees obtained in an illegal manner on my citizens account. I have taken screen shots of my account frequently, and have documented account minipulation by citizensbank. The bank has applied double fees, held deposites and withdrawls for days even weeks, random surcharges, aswell as random fees.
Product: Prepaid card

So I noticed money my card was overdrafted and I called my bank to see what it was and they are reversal credits from XXXXXXXX XXXX but direct express is telling me I have to contact the company about this matter myself and they are not letting me dispute any of these charges expept for 3 payments so I guess XXXXXXXX XXXX  charges more and it doesnt settle and they can take more out. I se about XXXX charges of charge backs from direct express and they didnt notify me of this or nothing and it didnt even say direct express at first it said XXXX! So if somebody could direct me into the best company to go thru with this because the customer service is ridiculous I only had one person but I got transferred to a supervisor and that went totally left she didnt even seem like she knew what she was doing
Product: Debt collection

Under Federal Law, National Credit Systems had 30 days to validate my debt. They failed, my request was for the support documents to be sent to me via my e-mail or by certified mail. My rights under FDCRA, the collection agency has " 30 days '' to prove the debt was valid per my request. They did not e-mail nor send the documents to validate the debt certified mail within 30 days. 30 days and " 30 days '' only, not 45 not 60 days. Furthermore, National Credit Systems claimed to have mailed me the documents twice? I have the USPS app which shows me what mail is being delivered to me on daily basis and National Credit System never mailed anything to me. National Credit Systems has over 2600 complaints filed with the CFPB for the lack of response and lying about debt verification. National Credit Systems has lost numerous lawsuits for misleading and false debt verification, violating federal law, and illegal debt  collection methods. The fact of the matter, National Credit Systems did not provide validation of debt to me within the 30 days under the FDCRA. They can not prove to me the documents was ever sent to me by e-mail or certified mail as requested. National Credit Systems has a continued and documented pattern of violating federal law. I hereby demand they remove the debt immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, 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 letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that this account should be corrected right away : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

some unknown person person got a hold of my credit information and used it fraudulently.. as a result numerous collection accounts are listed on my credit report i would like to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX XXXX. XXXX and XXXX XXXX. XXXX, I did not authorize the reporting or release XXXX my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which consttutes a case of identty theft. Pursuant to XXXX XXXX. XXXX, I do not owe any debt to these enttes, and i demand the immediate deletion of the bems and inquiries in question to correct my credit report. 

I ntomotiw aod ccafirm tha remosal.of tha disouted XXXX request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries identified in this XXXX complaint from my consumer credit file within XXXX business days of receiving said complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is Equifax. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX OH, XXXX, Name : XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX FL XXXX, Name : XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, XXXX.
Product: Mortgage

I refinanced my existing VA mortgage with a VA streamline ( IRRL ) on XX/XX/XXXX. I was promise I would get to skip two mortgage payments and I would receive my escrow reserves of {$6700.00}. 

I received all that but my mortgage is increasing from {$2000.00} to {$3400.00} on XX/XX/XXXX. They are charging me an escrow shortage of {$620.00} and increase my escrow to {$980.00} I am a XXXX veteran with XXXX XXXX XXXX XXXX XXXX and have a partial property tax exemption because of my XXXX. The agent never told me my mortgage would increase by this much and my new mortgage is larger than my original VA mortgage. I tried contacting the company but they will not help me and blame me for the increase. I will lose my house if my payment increases by this much. I never missed a payment and this new mortgage payment is substantially larger than my original monthly payment. All of our conversations should have been recorded by JFQ Lending , Inc . 

The mortgage company is XXXX XXXX XXXX The agent is XXXX XXXX, JFQ Lending , Inc .
Product: Credit reporting or other personal consumer reports

The account XXXX, is currently being reported INACCURATELY by the creditor. The vehicle attached to this account was repossessed on XX/XX/year>, between the hours of XXXX. However, the creditor 's reporting of the account for the months of XXXX & XXXX, show " CHARGE-OFF '' as the account status. This is grossly INACCURATE. A " CHARGE-OFF '' implies that the vehicle has not been recovered, which is incorrect in this situation. Due to this INACCURATE reporting, which violates my consumer rights, I am requesting the account be removed from ANY & ALL consumer reports.