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

I am writing to address the presence of unfamiliar accounts on my credit report, which I suspect may be the result of identity theft, as I have not authorized them. Despite bringing this matter to your attention previously, these accounts remain on my report. I urgently request that they be removed at the earliest convenience. 

The inclusion of these unauthorized accounts has caused considerable stress and does not accurately reflect my credit history or financial responsibilities. Dealing with the repercussions has been challenging, and if a resolution can not be reached promptly, I am prepared to take legal action to protect my rights and seek a resolution. 

These inaccuracies on my credit report pose a significant obstacle to achieving important financial goals, such as purchasing a home and providing for my family. I sincerely hope that we can swiftly resolve this issue to avoid further disruption. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I contacted to creditor to resolve the debit and was told they can not accept a payment or voluntary payment because the creditor issued me a 1099. the issue that I'm having is they refuse to update the reporting balance to reflect XXXX on my credit report, which is hindering my ability to finance my new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquries on my credit report with all XXXX bureaus ( Equifax, XXXX & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
Product: Debt collection

National Credit Systems , INC is reporting a debt of {$1800.00} from the original creditor XXXX XXXX XXXX. I was not notified of this debt prior to it being reported to credit bureaus. I have also requested validation of debt or a contractual agreement that this debt is owed and have not received any communications from creditor.
Product: Credit reporting or other personal consumer reports

Equifax refuse to provide original documents to XXXX XXXX collection account for XXXX XXXX XXXX- I have never had a XXXX XXXX account. And im sure this account is past the Statue of Limitations for the State of Texas
Product: Debt collection

I mailed a letter on XX/XX/year> to the collection agency that I found on my credit report asking them to validate the debt, but I have not received any information, nor has my credit report been updated. I believe they were unable to get the information and ignored my letter. I asked for proof of Insurance claims filed, proof of a contract I signed agreeing to pay this provider, chain of title to collect this debt and a complete payment history of payments I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have a Rushcard prepaid debit card on which my XXXX funds have been deposited to for the past XXXX years. As of XXXX XXXX I started having problems accessing my account. I understood that the company was having computer issues. I have made a total of XXXX calls to Rushcard with only XXXX calls actually connecting to live people after hours of being of hold. When I spoke with the first representative, I explained that my account balance was incorrect and that their were pending items on the account which were actually paid on XXXX XXXX, 2015. She checked the account and confirmed that I was correct. She stated that she would put in a request for corrections to be made. After 3 days the balance was still the same so I tried calling again. The XXXX representative confirmed that I had called in before and that there was indeed a problem with the account. She told me to hold for a supervisor. The supervisor stated that she would expedite the request for correction. Today is XXXX XXXX, 2015 and it still as not been corrected. I made my last call today about an hour ago. I was told that the balances on the computer and the ones that were being given by the automated telephone service were incorrect and that to obtain a correct balance I needed to go to an ATM. Well, that did n't work either. My amount that is missing from my account is small, but when you are on a budget you need every cent. I have since had my direct deposit stopped, but I would like to have my balance corrected and the remaining funds made available to me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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, there dispute resolution process was unfair and deceptive, as they did not comply with 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, credit repair services, or other personal consumer reports

I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts. 

XXXXXXXX XXXX XXXX  Account XXXX : XXXX This account was placed on my credit report without my permission I didn't give written instruction placing this account on my report that a violation of my consumer rights. 

XXXX Account Number : XXXX The errors I still see is the balance of XXXX on this account is still reflecting on a closed account that is a clear violation of the FCRA law, the date of last activity is inconsistent with the bureaus of Trans Union and XXXX its not way this was verified as accurate and verified which false statements are being applied to my account after its been reviewed which another violation of my rights. 

XXXX XXXX XXXX  # XXXX This account was verified is a joke at this point this account still reflects open in one bureau and closed on another also the date of last activity is incorrect and again your stated this account was verified, putting false statements on my report is a complete violation of the FCRA rights I have or at thought I had. 

XXXX XXXX XXXXt # XXXX Looking at my report this account is still reflecting an open account which we both know is closed and with it being violation. but this account was verified right? And to top it off this closed account is still reflection a balance. 

Please See Attachments!!!!!!! 

Please Delete Immediately I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent in XX/XX/2022 I asked you to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is reporting inaccurate fraudulent information on my credit report. 

It appears that some unauthorized hard inquires have been added to my credit report without my knowledge or permission. Please remove immediately. 

the hard inquiries are 1. XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I wrote TransUnion to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. 
I have never received a response back from them and my credit report was not corrected.
Product: Debt collection

I recently sent a request for validation not verification letter to Cavalry Portfolio Services , LLC. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on all 3 credit bureaus. Also credit freeze. XXXX XXXX experian shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections XXXX. Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( XXXX TransUnion, XXXX, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to make a consumer credit transaction. Experian is reporting inaccurate information on my consumer report. This includes inaccurate addresses and inaccurate variations of my name. I am having difficulties getting approved for credit due to damaging information on my report. 

According to the FCRA 15 USC 1681 I have the right to a fair and accurate report. I have made EXPERIAN aware of the inaccuracies and by law they need to correct and update it.
Product: Credit card or prepaid card

I cancelled my Bank of America XXXX  XXXX Business credit card on XX/XX/2019 and the company assured me that they would release the " hold '' they have on my Certificate of Deposit ( CD ) account that I opened with them for {$1500.00} as collateral for the secured business credit card.

I've called 4 times in the last week and asked them to release the hold on the {$1500.00} CD account I have with them, and each time they told me that they will fix it within 24 hours so I can cancel my CD account. However, each time they have not followed through.

They are purposefully delaying this process so that they can force me to automatically renew the CD account I have with them. This CD account earns a paltry interest rate. I've earned less than {$0.00} for the entire YEAR that I've kept the CD open with them.

I believe that they are manually keeping the " hold '' they have on my CD even though my credit card is cancelled so that they can force me to auto-renew my CD with them. They know the interest rate is garbage and this is their way of keeping account numbers and retention numbers high. This is absolute garbage and a horrible way to treat consumers just to preserve growth numbers and bump earnings reports.
Product: Vehicle loan or lease

I'm being charged $ {$23000.00} in finance charges and my bank couldn't even Refinance the loan because of the year of the vehicle and the mileage on a 2014 XXXX XXXX my bank even said that is way to high on a used vehicle I have told the company that I want all my money back and they can have the car cause that's just out Rages there scaming people I did report them to the better Bureau and they are refusing to work with me Credit Acceptance I told them I will refuse to pay on this car
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$390.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2600.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$470.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I lost an apartment back in XXXX and the Sherif office seized furniture and items I could not get moved out due to lack of funds and very little to no help moving out. I was at the time making payments for a few items via a company called XXXX XXXX Lost my job and could not pay it back so the account was closed. 6 + years later XXXX XXXXXXXX sold the debt to an agency called STAFFORD GROUP & ASSOCIATES. I contacted XXXX XXXX and was told the debt is charged off and no longer associated with an existing account. I never contacted STAFFORD GROUP & ASSOCIATES nor agreed to pay or schedule payments for the debt. There's no agreement that binds me with this collection company and I'd like the debt to be removed from my credit report on all 3 bureaus. 

I'm NOT liable for this dept with XXXX XXXX, I do NOT have a contract with STAFFORD GROUP AND ASSOC, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt as this DEBT with XXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency STAFFORD GROUP AND ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDNELNET and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Closed : The account was officially closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account closure led to the incorrect 120-day late report, which does not accurately represent my payment history.

On-Time Payments Prior to Closure : I consistently made all payments on time prior to the account closure in XX/XX/XXXX. Any reported delinquency after this date was due to delays in account processing and should not have been attributed to me. 
Dispute Previously Filed : I previously filed a dispute regarding this issue, which was marked as resolved ; however, the inaccurate late payment entries still remain on my credit report. This demonstrates a lack of proper resolution and continues to affect my credit score negatively.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Some one from my PNC business checking account initiated ACH transaction for XXXX for six days and transferred more than {$30000.00} from my business account. 

Company who took out the money : XXXX XXXX  XXXX XXXX XXXX named some company originated these translations. 

On XX/XX/XXXX -- - {$5000.00} On XX/XX/XXXX -- {$5000.00} on XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} Total : {$30000.00} was taken out from our PNC Bank account without our permission. When ACH transaction initiated we weren't aware and there was no permission given to the company PNC bank even didn't care to check the permission or never called us to get permission to authorize these transactions. 

When we checked our statement on XX/XX/XXXX thats when we came to know about these Fraud Transactions. We notify bank immediately and their answer was in order to stop these transactions we need to notify them in 24 hours and they can give money as ACH if the person knows our account number and routing number. Bank 's response was very casual and said all they can do is submit this to their fraud prevention department and nothing else they can do about our money getting back. We weren't even offered for temporary funds in order to operate our account.
Product: Credit card or prepaid card

I purchased a trip and paid in full with XXXX  on XX/XX/XXXX for {$5300.00} for a trip to XXXX using my Chase visa card, which I paid in full when I received my statement. I went on the trip without any problems. However, this was also when the entire country went into lockdown due to the pandemic for Covid-19. XXXX unbeknownst to me also closed down. On XX/XX/XXXX, I was charged on another credit card I left for incidentals at the resort for {$3100.00} with no authorization. I tried unsuccessfully to dispute this charge but was told I need to dispute it with my original credit card. The resort also had closed down 3 days after we left due to the pandemic. I tried unsuccessfully to reach them for weeks. Months later I was able to contact someonet through friends my daughter met at the resort who put me in touch with a manager and I was informed that XXXX had closed operations and had not paid the resort for my trip and that is why they had charged my credit card. I have now paid for this trip twice. XXXX has not delivered the services I paid for and Chase has closed my dispute in their favor without providing any proof whatsoever that they have provided proof of services rendered. 

I would like my credit card charges reversed for these charges in dispute. I have provided the emails from the resort, my original payment, payment in full to Chase, and the second charge to my account from the resort because XXXX  to did not pay them.