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

EXPERIAN is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by EXPERIAN due to identity theft about the dates of XXXX XXXX. 

Pursuant to 611 5 ( b ) i Provide a copy of the certification of accuracy of information.

Pursuant to 611 5 ( b ) ( ii ) Provide business name & address of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX have pulled my credit file and I noticed that there are some mistakes that need to be corrected. My name is not XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I Noticed there are addresses that do not belong to me. Please delete/remove the following addresses they are wrong : XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI , XXXX XXXX XXXX XXXX XXXX OH,XXXX. 
I am applying for a new job and the information on file is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old pay off Student loans All pay off XXXX XXXX loans And XXXX XXXX   Experience Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX 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. Creditor is reporting different info to all credit companies XXXX, TransUnion, and XXXX The following Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked you to disclose your method of verification on the alleged XXXX you are reporting. You then replied to me with the enclosed Notfication claiming that the XXXX was verified by the XXXX Courts. 

Appalled by that information, I went directly to XXXX Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this XXXX is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the XXXX is DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent two dispute letters to EQUIFAX disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO EQUIFAX, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks
Product: Bank account or service

Regular biweekly deposits started appearing in our checking account at the end of last year. Neither my mother nor I knew why these deposits were being made, nor by whom. When the bank was contacted, they said they would try to find the source of the deposits as the only information available on our statements was " XXXX BIWEEKLY [ and the last XXXX of my mother 's SS # ]. '' The bank never contacted us. We called and made the request again. Again, no one got back to us. The third time I contacted the bank I was told that the only information they knew was that it was being transferred by ACH, and that XXXX XXXX XXXX was the clearing house. They say there is no way for them to determine who is sending the money.
Product: Debt collection

Midland Credit Management has called me numerous times, including on XXXX  XX/XX/XXXX. The debt that they are trying to collect ( for XXXX ) was discharged from the original creditor in XXXX, and part of my XXXX  XXXX bankruptcy in XXXX, which has been fully paid off and discharged from my credit report. 

Their bankruptcy department works limited hours and is very hard to get a hold of. When I talked to them on XX/XX/XXXX, I spoke with their bankruptcy department and gave them all of the relevant information. The person was barely paying attention to me and didn't let me know of any next steps. Considering they are still calling me, it's clear that she did nothing with this information, and they are still trying to collect on this debt illegally. 

I've spoken with their normal account managers multiple times via chat as well as phone, but since this debt was part of my bankruptcy, there's nothing they can do to help me.
Product: Credit reporting or other personal consumer reports

XXXX is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX credit card that has been paid in full before they updated report, they post to my credit report. XXXX does not contact the creditor they use a data base that is wrong and 30 days behind
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX ( 5 hours ago ) to XXXX  NOW SEE HERE!!! 
You have led me to believe I can send money but you won't allow me to. 
When I go into a WU Store, the XXXX  are lined up, NO QUESTIONS ASKED!!! 
But, because I am a XXXX with a wife to be in an other country, you won't let me send her money. 
Did you not know that XXXX XXXX ' First Mate was a XXXX? 
Or some of our Founding Fathers including Washington, Jefferson, and Franklin to name a few read the XXXX? 
Maybe you did not know that there is a passage from the XXXX inscribed on the wall behind the Supreme Court Justices. 

Western Union needs to cease and desist these Prejudiced Practices that are in fact illegal. I am ashamed to say that I am a born and bred American because of people like you. 
You turn my stomach, you need to be put out of business. There is plenty of competition that is not XXXX like your company is. 

SHAME on YOU and THIS ONCE GREAT AMERICAN INSTITUTION!!! 

Peace, Love, Recycle, XXXX XXXX XXXX XXXX Western Union for no cause or reason is denying me service. They have refused to tell me why. I have politely asked for a letter explaining why I am being denied service for my attorney, and Western Union has refused! 
I am being denied service because I am a XXXX and Proud of it. That is the only reason. No law enforcement agency has contacted me, so therefore, I have done nothing wrong. The FBI, CIA, INTERPOL, PASP, HOMELAND SECURITY, or other agencies I am not aware of should be beating a path to my door if I have broken any laws. But, not one of these Federal or State agencies has investigated me, asked me any questions or anything else which proves beyond a reasonable doubt that Western Union is illegally discriminating against me.

Now I respectfully demand this practice to cease and desist.

Thank you very much, XXXX XXXX
Product: Checking or savings account

XXXX XXXX can no longer save funds from my account
Product: Checking or savings account

In XX/XX/2017 I expressed to BB & t that the account that was closed had a balance of XXXX and that the information was incorrect because i never used the bank account before. I had a representative say that they can waive the fees because it was not that much. I thanked her and almost a year later they are still reporting negatively on my consumer report as abusive behavior on my account.
Product: Credit card or prepaid card

Card number XXXX and XXXX and XXXX. 

All three accounts opened, two used daily and the third never able to use, and to this day I still have no resolution, so I requested a refund and closure of all accounts. Back in XX/XX/XXXX, I was surprised to find out that my card ending in XXXX was restricted due to additional information needed to verify my accountwhich I provided. They opened the business account ending in XXXX, sent me welcome letters, pin verification, then all of a sudden they restricted all my cards! Upon contacting Capital One, they gave me the run around stated the could not verify the account was tied to me personally. After several documents sent, bank statements sent, calls, hours wasted and monthly phone conversations with different members and no resolution, I explained to them to close all my accounts. Their response was they were protecting me as a consumer when I have provided all documentation, in addition to several prior years as a customer. 

Im very upset about the credit balances not being refunded on my accounts due to overpayment, which I am due, only to see they added a line adjustment XXXX  out my accounts back in XX/XX/XXXX, and never issuing me a refund. The accounts are still shown on my account as restricted which I should have never had this status, not to mention a great deal of inconveniences with my monthly purchases. This was very unprofessional, uncalled for and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with Experian numerous times and the continue to display inaccurate account and information about a old XXXX fraud account that should not even be on my report since it was settled and debt canceled and XXXX agreed to remove after canceling debt. The account has been removed from other credit reports but Experian refuses to remove account even though its inaccurate and I have supporting documents from XXXX.
Product: Credit reporting or other personal consumer reports

My initial awareness of unauthorized inquiries on my credit report became known to me as I ran across a headline on my XXXX news feed where another data breach had occured. Taking that event into consideration, I went about checking on my credit to see if there was any errors that was unbeknowst to me during that time. Upon doing so, I had noticed there were several inquiries that I had no knowledge of nor had given each of those financial institutions any permission to pull my credit at any point in my life so far. With this information in hand, I sent out a letter by certified mail to Experian on XX/XX/year> in which I stated that there were erroneous inquiries on my credit report that did not have permissable permission from me to exist on my credit report. Additionally, I requested that those listed inquiries be investigated and removed due to them being unauthorized by me. ( please see attached letter that was sent ). I patiently waited 30 days per FCRA rules for a response and never received one. Recently, on XX/XX/year>, I opened my Experian app to track my credit growth and progress to which point I discovered XXXX new hard inquiries that are titled as follows : " XXXX XXXX, '' " XXXXXXXX XXXX XXXXXXXX XXXX '' and XXXX XXXX XXXX XXXX. '' I do not know who the associated financial institutions are nor do I give authorized permission for them to pull my credit for any purposes. 
I've given Experian more than alloted time per FCRA rules to properly investigate and rectify these errors and yet there hasn't been any resolve rendered. In mention of this, I had in turn send them yet another certified letter on XX/XX/year> ( please see attached ) in which I requested resolution to be executed for failure to comply with FCRA policy to which they are governed by for not responding in 30 days. Experian 's failure to execute their responsibilities of adherence to consumer law and FCRA policies have now created ongoing negative impact on my life and additionally, they have developed civil liability per occurence for how they've carried out this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair business practices that violate the Consumer Financial Protection Act ( CFPA ). Block, Inc. failed to conduct a thorough investigation into all of my claims, neglecting their responsibility to properly assess the situations. As a result, I never received a refund or even an explanation regarding the dispute.

Additionally, their handling of fraud prevention and dispute resolution was both inadequate and deceptive. They failed to meet the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, leaving my account vulnerable and unprotected. These failures have caused me significant financial loss and unnecessary frustration, and I am seeking appropriate redress for these violations.
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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

The late payments listed are inaccurate compared to my regular payment pattern.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.
Product: Mortgage

In or around early XX/XX/XXXX I had experienced another hardship due to Covid-19 and on XX/XX/XXXX, immediately contacted Rushmore Loan Management Services via my RLMS account email for procedural information. On XX/XX/XXXX, I received an email response from the Servicer indicating that I could go to their website and apply for the extension. On XX/XX/XXXX, I received confirmation from the Servicer my payment of {$330.00} had been applied for XXXX. 

On XX/XX/XXXX, I went to the Rushmore Loan Management Services website to apply for the Covid-19 Relief. Upon completion of the application, the system advised me that I would be contacted in 10 days. I was never contacted by the Servicer regarding the status of my Covid-19 application. 

On XX/XX/XXXX, Rushmore Loan Management Services XXXX contacted me and left a voicemail for me to return her call. I immediately returned the Servicers call and spoke to XXXX who indicated the reason for the call was for XXXX payment of {$330.00}. I indicated to XXXX that I had initially applied for the Covid-19 Relief and that I retained a Declaration of Hardship form drafted from the XXXX XXXX XXXX Website. XXXX requested that I complete another application and email the completed Declaration of Hardship form to XXXX. She stated I would receive a response in 10 days. However, I immediately applied for a second time and provided the Declaration of Hardship form to the provided email. 

On XX/XX/XXXX, I received the enclosed Notice of Collection instead of a response to my Covid-19 Relief application. I am outraged that the Servicer has disregarded my Hardship and seeks to accelerate their attempts to collect payment. The Servicer is in clear violation of Federal/XXXX  XXXX laws as they pertain to individuals impacted by Covid-19. Their website clearly displays the following : If you are impacted by covid-19 we are here to help. In addition, the Servicer has violated their policy of not contacting me within the specified timeframe of 10 days after completion of the Covid-19 application. To this date, I have not received any response to any of my applications regarding Covid-19 Relief. I am requesting an extension/moratorium from the Servicer due to financial reasons impacted by Covid-19. I have provided the Servicer with 2 online applications and the Declaration of Hardship form.
Product: Credit card or prepaid card

Please see attached letter from Comenity Bank dated XX/XX/2020, the letter advised that finance charges are postponed on the disputed amount during the investigation. Therefore, please credit the {$10.00} in finance charges assessed on XX/XX/2020.
Product: Debt collection

My information was compromised in a data breach and according to 15 USC code 1692B acquisition of location information was not provided and I am asking for this collection to be removed off of my credit report immediately