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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BEST EGG Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
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 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 would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Prepaid card

I purchased XXXX XXXX Gift Cards from Wells Fargo & Company, and loaded {$200.00} on each with a {$4.00} fee, totaling XXXX. Upon realizing that the card did not work at retailers I was led to believe it would work at, I attempted to have my remaining balance ( the full {$400.00} ) returned to me. I did not seek to have any associated taxes or fees refunded. I was told by a Customer Service Representative that the best they could do was offer me 65 % of my remaining account balance. I attempted to complete this refund within 48 hours of the initial purchase, and had my receipt from the initial transaction. Every attempt to resolve this issue with Wells Fargo & Company has been met with contempt, and I do not believe that they have dealt with my issue in good-faith. I was not cautioned about any policies regarding refunds at the time of the initial transaction. I find a 65 % refund to be wholly unacceptable as I had paid for the balance in cash, and in full, only 48 hours prior.
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 have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX  reaches out for validation they respond that all information is correct and continue to update the account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE OF INQUIRY. XXXX XXXX. XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX }
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, Experian ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Product: Student loan

On XX/XX/XXXX, I was notified that my student loans were forgiven. I reached out to Mohela in XXXX and XX/XX/XXXX to ask when my credit report would be updated with the information. I received XXXX notice that the information would be updated and in XX/XX/XXXX it was not updated as I received a message stating that they would respond to the message that I submitted on XX/XX/XXXX. There has been no update. When I disputed this with XXXX, I only got an update with the old balance and nothing reflecting that the loans are paid in full. This has been going on for seven months.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I received your attached response to CFPB complaint number XXXX dated XX/XX/year> in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX which has also been attached to the present complaint for reference and as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either 1. the request was made in error, 2. the request was based on a material misrepresentation, or XXXX. That I received goods services or moneys as a result of the transactions I am seeking to block. Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain.
Product: Mortgage

I have had a very difficult time with Shellpoint. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Shellpoint always seemed to lose my paperwork, which I constantly had to re-fax. My representative does not seem to want to help my save my home. I went on a forbearance from CODVID income loss. Shellpoint recommended it during the pandemic. What Shellpoint didnt tell me is the fact they would not help be resolve the COVID forbearance by a modification. Not helping a homeowner resolve the forebears from COVID seems predatory. I have been told by Shellpoint that they did a XXXX XXXXest that came in XXXX XXXX dollars lower than the actual value. My value has gone up considerably so failing a XXXX test seems like fraud.
Product: Consumer Loan

I got approved for a lease through Xchange Leasing ( an Uber subsidiary ) on XX/XX/XXXX with only XXXX down payment. I picked the car on XX/XX/XXXX and starting driving for Uber that day. The payment agreement was XXXX weekly. The problem here? First, I reported car issues on XX/XX/XXXX. Those problems begins with aligment, low coolant, transmission sometimes making rough gears after heavy usage during the day, and the car can tremble or start to fail on a stop when turning off AC for a while. I signed the contract and one of the documents said that the car was fully inspected. Second problem, they did n't took the first weekly payment from my Uber earnings as supposed, then it was really a pain to contact them and had the response on time, they only have email for our problems! The agent XXXX never told me if the issue was resolved or not, I had to give it a try to see if I can send the payment through XXXX, and it worked. Now the car was still with troubles and I decided to give up with this irresponsible company and return the car with only 2 weeks of usage. They are now demanding to pay up to 5 weekly payments, they will take XXXX of my XXXX down payment. I know that was on the contract, the only thing here, is that I did n't mean to break the contract on purpose. They gave me a car with serious issues and clearly not well inspected and now I have to pay the price for their fault? Seems to me this business is a complete scam. I only want them to stop charging me for the 3 remaining weeks because of all the troubles they caused me. It 's not fair that I wanted to keep the car and work and they did n't handle this with a properly manner and they did n't even care, only for the money. This a an hoax.
Product: Credit reporting or other personal consumer reports

I am an informed and conscientious consumer, and I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly with regard to Section XXXX, which requires credit bureaus to investigate complaints and provide a thorough response within 30 days. As required by law, Ive requested them to provide me with an update on the investigation 's status within 30 days and they have failed and violated my rights. 
I'm writing to bring attention to a very serious issue involving errors in my credit report. I humbly request your valuable aid in expeditiously addressing this matter. The following inconsistencies in my credit report are what I would like you to look into right away.Im challenging because there are inaccurate Names thats not mine. Errors should be corrected and would like an accurate report. Current address is incorrect and inaccurate. Investigate and make sure the information is accurate 100 %. Previous address is falsely reporting. I will wait for the results. Something is wrong. The XXXX data does not appear to be right. Please verified. 

This account from XXXX  XXXX : XXXX, The reporting of this account is not complete. The law says you must investigate and delete inaccurate information. Please start. XXXX XXXX : XXXX, Account is reporting information as in error. Remove as soon as you get this. XXXX  : XXXX, I dont believe the creditor is reporting this account correctly. I really need this removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. /19 e to in a lequa ustomer 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 a 0:3 Was unfair and deceptive, as they ca not '' ky comply with error resolution requirements under the Electronic Fund 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

On XX/XX/2020 I filed a complaint against TransUnion and XXXX  concerning the inaccurate reporting of XXXX This account was sold to XXXX XXXX XXXX. XXXX and all associates have requested this account be removed from all credit bureaus. XXXX has failed to response to my dispute. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit reports. It has been over 90 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach  and may have got into the hands of the wrong person.
Product: Mortgage

Hello- my loan for a property I own at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX was sold to Select Portfolio Services several years ago. Today was the third time I have requested an amortization schedule in the past couple of years. Twice it was not sent to me. Today they informed me that they could not send me one because the loan was modified in XXXX, prior to when they bought my loan. 

All three times I requested this information over the phone. They do not communicate with me over email for this request. I was required to call. 

I feel they are being deceptive not providing a document I believe is my right to have and makes me question why they will not provide a simple request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to look into the dispute that I've submitted regarding XXXX XXXX XXXX. This company is reporting an account as a result of identity theft, I have tried to work directly with Equifax and with XXXX XXXX and have got nowhere. XXXX XXXX is a collection agency that is trying to collect a debt that was caused by identity theft. They continue to say it's my debt as it is under my name, however, it is a result of identity theft ( the reason why it's called identity theft )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( but I have been disputing these items for over a year now ), I sent in dispute letters to the CRAs to investigate information on my credit report. Multiple things were reporting inaccurately, as well as late payments ( which are illegal due to 15 USC 1666B and 1666 ). This violates my privacy to disclose that type of information, and one of them I have never been late ( so I would like to see original document showing that I was late ). The accounts in question ( which I will disclose in the uploads ) are : Transunion : XXXX XXXX  ( reporting late ) XXXX XXXX ( reporting inaccurate information ; not matching up with other agencies ) XXXX XXXX XXXX ( reporting inaccurately ) XXXX ( reporting inaccurately ) XXXXXXXX XXXX XXXX ( this was removed prior and they re added without reaching out within allotted time ; FCRA passed law that prevented reinsertion ) XXXX  ( accounts not listed are the same up top, everything else is new ) XXXX  ( reporting late payment ; want to see original document ) XXXX XXXX XXXX ( 12 CFR Part 1006 is being violated here ) XXXX ( same accounts up top : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also the address XXXX XXXX XXXX XXXX is reporting on my report, I have nothing to do with that address and want that removed please ( I live at XXXX XXXX XXXX XXXX )