23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX account # XXXX I paid XXXX for XXXX month of service when they came to do the install. I received poor service and cancelled it within that XXXX month. I had no contract for extended services and I returned their equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.
Product: Debt collection

Credit Bureau in violation of Several FCRA aswell as the 49 CFR 801.56 and the GRAMM-LEACH-BLILEY ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many hard inquieres in the last months I send pictures of the hard inquires in my credit report of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on TransUnion. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on TransUnion, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also have a Ftc Report and a police report.
Product: Credit reporting

Experian has a trade that does not belong to me with 'unknown ' status. This trade is not reported by any of the other bureaus ( which I was able to access via XXXX ). They have made it literally impossible for me to contact them to ask for resolution through any real time channel ( phone or web ) and the only option they are giving is to dispute via mail which can take up to 30 days. I am applying for a mortgage pre-approval and do n't have that much time.
Product: Debt collection

In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX, MD XXXX ) and Bay Area Receivables ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX XXXX and informed them of the mistake. I contacted Bay Area Receivables and informed them error. I filed a dispute with the credit reporting agency XXXX. 

I mailed XXXX XXXX XXXX and Bay Area Receivables certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXX XXXX XXXX nor Bay Area Receivables. XXXX removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX XXXX and Bay Area Receivables followed by another dispute with XXXX. I did not receive a response from any parties, so I contacted XXXX XXXX XXXX via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted XXXX   and filed another complaint. I contacted XXXX XXXX XXXX via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX  Inquiry Date XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

This loan was done by people and company that was not licensed in the State of Oregon and the State told me I could do nothing about it but lately I have been told I could. I tried hiring an Attorney but the only one that would take my case with such little money on my part, Shellpoint wouldn't cooperate with them. 

I have been making payments to Shellpoint and Ditech, but they keep raising my payments and I asked for an itemized statement for the {$50000.00}, plus loan/grant I was given plus photos of the check, plus other items and after about 1 year plus they sent me a Loan History Statement ( which I can't read ), they lied to the State and said they had complied with my request. I told them I was not going to pay them the hiked up payments until I received and answer from my qualified request. They didn't complain and they keep taking the {$780.00}, monthly payments. After a while they messed up my credit reports and now after more the several years the stop taking my payments. I send them and they send them back. I was told I had to send them 3 payment before they would start taking them. I did and they sent the 3 payments back. I have proof of all this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on 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 heave caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2023 I wrote a letter to TransUnion regarding inaccurate and unauthorize inquiry on my credit report. I gave them a list of the inquiries and this is a violation of my privacy and can be considered as identity theft. I did politely request for TransUnion to remove these items off my credit report. 

On XXXX I received a letter back from TransUnion stating that no one need my authorization to pull my credit report. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing this to complaint about Capital One They are showing as delinquent on my credit report. I received a letter from them in XX/XX/2020 stating that they were going to remove the account from my report but they never did. I am in hard financial hardship now and my credit score is very low and I can not rent an apartment just because of that. The thing is that I was victim of fraud, someone in XXXXXXXX XXXX XXXX have been using my credit card and I have never been in XXXXXXXX XXXX  XXXX so I reported that to Capital One and they did not believe me so at the end I still go ahead and pay the charges in the card even after I paid they still reporting my card as delinquent and till this day the account is still showing as delinquent. I have contactef them numerous time and they always say that they're going to remove it but it is still showing till this day. 
I have also disputed it with the credit bureaus please find attached a copy of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Prepaid card

I purchased a XXXX gift card on XX/XX/2023 at XXXX. The gift card was issued by U.S. Bank Gift Card, but U.S. Bank failed to fulfilled the amount I purchased and voided my right to access the cash account. I tried over ten times trying to resolve this issue promptly, providing all required information such as copy of my ID, the receipt of the purchase and the gift card picture by fax, but they continously refusing my documents and keep blocking my account. 

I filed one complaint with the id-XXXX on XX/XX/XXXX and provide the required document again via email as instructed from the letter sent by US Bank multiple times . And they just never responded or resolved this issue.
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. Experian, XXXX, and XXXX 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 : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

credit account company reports that I didn't pay a balance of a credit card in 2016 when I was only XXXX XXXX XXXX XXXX. account information is not accurate and to my understanding people under XXXX are not even able to pull credit cards out.
Product: Debt collection

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile.

I believe that EXPERIAN has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act EXPERIAN has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties.

15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a_ consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit card

Disputed with all XXXX bureaus that I had never applied for the Chase credit card or the XXXX XXXX credit card accounts they have been reporting on my personal credit and investigation results report as VERIFIED ACCURATE despite never signing an agreement or even providing information for a credit card application. I explained and provided supporting documentation that I was appointed the personal representative for my late husband in XXXX of XXXX I had my probate lawyer send a letter of notice to both companies requesting compliance to recognize my court appointed letters of administration in order to maintain and administer his business accounts and personal accounts which were assets of the estate. Chase bank had froze all accounts and ignored the letters of administration for weeks causing the business to suffer. The letter clearly states for it to be known all actions are to be recognized as only in my capacity as PR. Chase fraudulently, without disclosure or my knowledge attached this account to me for personal liability and told me I was only to be added as an authorized officer They are falsely reporting this as an individual account. This was an established business credit card account for a business my husband owned long before we were married. We did not have any shared finances and kept our own accounts. I have filed a fraud report with the FTC, report # XXXX This has damaged my credit report and caused my score to drop from a XXXX to a XXXX, denied for a car loan and have creditors close my good standing accounts with no cause or reason other than my now poor credit score. Besides these two erroneous accounts, I have excellent credit history with all accounts paid as agreed never late.
Product: Credit reporting or other personal consumer reports

I submitted a dispute into Transunion reporting unreported/unverified information on my public record on XX/XX/23 meaning that Transunion 's deadline to respond was XX/XX/23 but Transunion did not respond until XX/XX/23. This is a violation and as a result these items must be removed per FCRA.
Product: Student loan

My Student Loan Refund Was Issued to Bankmobile and They Are Refusing to release my federal funds
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX  on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of XXXX medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my federally protected rights. I sent a letter in the mail and havent received results which violates the FCRA and the unauthorized inquiries havent been removed..My Id is attached for identification purposes
Product: Debt collection

XXXX contacted a family member three times by phone, and at least one time by text. During the second call he told them that wasn't my number and not to call. They proceeded to call him a third time. They only stopped when I called them and told them they can't do that. On XX/XX/XXXX I requested they send me information about the debt in the mail, because I haven't received anything. They claimed they sent it in XXXX, but I never received it. I asked they send it again. I still haven't received anything. I talked to them again today, XX/XX/XXXX. I asked again to have the information sent to me in the mail, and they again claimed it was sent in XXXX. I again explained I never received anything in XXXX, and have already requested on XX/XX/XXXX that information on the debt be sent to me again since I didn't receive what they claimed to send in XXXX. I'm already paying the company they say I owe monthly, so I need to verify this isn't the same debt. I already called that company on XX/XX/XXXX, and was told they don't show anything was sent to collection on their side. I'm simply trying to verify this is a legitimate debt, and XXXX is being uncooperative.
Product: Credit reporting or other personal consumer reports

I am writing to request the steps your company undertook during the investigation of the disputed items. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed accounts of how you obtained these particular responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaints in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. The account are listed below that needs attention : XXXX XXXX XXXXXXXX Balance Owed : {$5400.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$170000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX- Shows 1 late payment for XX/XX/XXXX on all three credit bureaus - Dispute is regarding inaccurate information being reported for this tradeline. For each report, they each report a different closed date. Equifax confirms it was closed XX/XX/XXXX, when XXXX shows XX/XX/XXXX. XXXX and XXXX report the same last payment date as XX/XX/XXXX when Equifax shows XX/XX/XXXX. XXXX reports the worst payment date as 30-59 days when Equifax shows Current. Inaccurate information request that the account be deleted but I request for the accounts to be updated and the late payment for XX/XX/XXXX as paid. I have never been late for this account.
Product: Money transfer, virtual currency, or money service

Paysafe Payment Processing is connected to XXXX XXXX and will be referred to as from this point on. XXXX XXXX/Paysafe 's processing entity risk department closed our account without warning. Of the two days worth of processed payment transactions ( Batch receipts for XXXX = {$700.00} & XXXX = {$170.00} ) totaling {$870.00}, we received only {$120.00} into our bank account. I called XXXX XXXX and their processing entity ( Paysafe ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the other {$740.00} was just returned to our customers. That means that services we provided were not paid for because XXXX XXXX/Paysafe gave the money that was paid to us through credit cards ( {$740.00} ) was given back to these customers. There is no way for us to recover that money. We view this as theft on the part of XXXX  XXXX/Paysafe.