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

Subject : Request for Description of Investigation Process Disputed Accounts onCredit Report XXXX XXXXXXXX Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX
Product: Debt collection

This account was added to my credit report and removed several times without my knowledge.I was not acknowledged this collections account was being put on my report after Ive disputed several times and this should be grounds for permanent removal.
Product: Credit reporting 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. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX Account Number : XXXX 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 
3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.
Product: Checking or savings account

On XX/XX/XXXX I deposited a mobile check to Discover XXXX Bank they reported that they received the check and on XX/XX/XXXX the account was suspended by Discover with my money inside due to a suspicion of fraud. I have called discover bank everyday since the initial report and have been on hold for 3+ hours at a time with no answer. When the call gets to at least 5 hours it disconnects. I have spoken to representatives who say that is no their department and that the department does not open until a certain time although they advertise 24hr service. When I call at the recommended time, specifically the exact time the wait time is over 5 hours. Still no answer. they have refused to get me in contact with someone that can refund my money. I filed a fraud affidavit with my personal bank on the XXXX of XXXX. I am currently still on a 5hr long hold with Discover bank and the online chat representatives have threatened to end the chat with no help or advice on what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response.

( REPLACE EXPERIAN WITH XXXX  WHEN YOU SUBMIT A COMPLAINT TO XXXX, THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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 their error resolution requirements under the Electronic Fraud 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

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account here : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the account must be promptly updated according to Section 1681i ( a ). Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the account has been updated. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.
Product: Checking or savings account

Account was opened in my name with Wells Fargo without my consent. This was late XXXX early XXXX. Report to their fraud department and never heard anything else.
Product: Vehicle loan or lease

I purchased a vehicle on XXXX XXXX. Im still waiting for a tag. I purchased the car from US Auto Sales and currently still riding around with a dealership tag that expired XX/XX/XXXX. After reading about the lawsuit. I couldnt access my doc files. But lucky me I saved them to my pdf files. After paying {$1000.00} down payment left a balance of XXXX. I had to pay two deferred payments of {$420.00} two weeks apart. I just look at my balance on Westlake Portfolio app and my balance is stating I owe the same balance of {$18000.00}. So basically I started over with the same amount my balance showed on my paperwork from XX/XX/XXXX. When I ask Westlake Portfolio could they register my car so I can receive my tag. They tell me the only thing we can do is provide you with an email to contact someone about registration from your car. The email address I was given was XXXX. Ive sent them over 50 emails. No one has call.text, or email me back. My car still is unregistered.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX  MY WHOLE PURSE WAS STOLEN OUT OF MY CAR POLICE REPORT IS ATTACHED MY SSN HAS BEEN COMPROMISED CREDIT INQUIRES WERE ESTABLISHED WITHOUT MY AUTHORIZATION CELL PHONE BILLS FROM XXXX & XXXX ARE ON MY CREDIT REPORT, INQUIRY FROM XXXX XXXX XXXX XXXX, XXXX XXXX, Someone even tried to purchase a home using my identity Please remove the items a police report is attached ty
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never late, and i have already tried to send letter that was provided by honda fin svs, but XXXX is not trying to help, the other two bureaus have already removed this negative except XXXX, please have this negative removed from my credit on XXXX, the letter from the creditor is attached thank you
Product: Mortgage

Notice of Fraud and Violations of U.S. Codes, Including but Not Limited to 15 U.S.C. 78jjj ( c ), 18 U.S. Code 1028, 18 U.S. Code 241, 18 U.S. Code 242, 18 U. S. C. 891-894, 18 USC 1001 , and 12 CFR 1026.1
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to file a complaint against XXXX XXXX a.k.a XXXX regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all 3 Credit Bureaus. When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX XXXX numerous times for their review and to this day still no response. In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those 2 accounts should have helped restore my credit history and generate a Credit or FICO score for me.
Product: Debt collection

On or about XX/XX/2024 there was a mysterious drop in my credit scores. After some digging I discovered a collection placed by REMEX. I have never heard nor received information from REMEX. They didnt even verify my identity when I called in but instead starting giving me information and demanding the full amount for a medical bill that was apparently for my XXXX. Im not only disputing the validity of this bill but also the validity of this agency, its practices and the security of my information. I spoke with someone named XXXX who was giving out sensitive information without any validation of my identity. If this debt is valid I prefer to settle it with the debtor and not this shady group.
Product: Debt collection

Portfolio Recovery is communicating and reporting on my credit reports in attempt to collect a debt on behalf of XXXX XXXX, account XXXX. After i requested debt validation on XX/XX/2022, on XX/XX/2022 Portfolio Recovery sent me a response in the mail with documentation stating they had the right to collect on this account, which is misleading and not true. I looked up on the XXXX that this company is not licensed to collect debt or practice debt collection in Nevada. Portfolio Recovery is violating my rights under the FDCPA by misleading me to think they had the legal right to collect on this account and is in noncompliance with Nevada legal statue ; XXXX XXXX ; XXXX required ; exception. 
1.Except as otherwise provided in this section, a person shall not conduct within this State a collection agency or engage within this State in the business of collecting claims for others, or of soliciting the right to collect or receive payment for another of any claim, or advertise, or solicit, either in print, by letter, in person or otherwise, the right to collect or receive payment for another of any claim, or seek to make collection or obtain payment of any claim on behalf of another without having first applied for and obtained a license from the Commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill should not have been given to me. This was fraudulent activity that was done, and billed to the incorrect person. When dealing with this before, it was removed several months ago ( {$640.00} ). Now, it is back on my credit report and this is stopping me from closing on a home. This bill does not belong to me. I am very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time. I sent multiple letters, and it was once removed from my credit report. Now, it has reappeared within the last two months. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.
Product: Checking or savings account

I opened a checking and savings account on XX/XX/22. As part of the sign up promotional terms, I was supposed to receive {$300.00} to both my checking and savings account for a total of {$600.00}. I met the promotional terms for each account and the promotion was due XX/XX/22. However, it was not credited and when I contacted the bank they said to " just wait '' even though its past due.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022, I was induced to make a XXXX transfer of {$190.00} to an XXXX scammer who promised to send me more money in return. He then made an excuse and thereafter I told him that I no longer wanted his help and if he could return my money via XXXX. Soon after I the contacted the bank to file a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

In XXXX XXXX  XXXX  said they would delete derogatory now it's on my account different company
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX  XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX ) that took me to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX  score on the date of application was XXXX ( from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of Sagestream LLC. 

On XXXX XX/XX/2020 I received the XXXX XXXX  credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by Sagestream LLC. 

I tried to contact Sagestream LLC via their telephone unsuccessfully. I tried to obtain my credit report via their website ( https : //www.sagestreamllc.com/ ) and was not able to via the reference numbers of the XXXX XXXX  credit rejection letter.  Sagestream LLC was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as XXXX XXXX  as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that XXXX XXXX  uses the outstanding balances as a revenue source and that I would not be revenue source. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

XXXX XXXX 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 Need Them Removed!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX  XXXX XXXX refinanced my loan with the loan Brokerage company and received my escrow funds from XXXX XXXX and did not forward my escrow refund to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on my accounts, I wonder why Equifax, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXXXXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX.I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, XXXX and Experian is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.