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

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, CA XXXX Attn : CBNA XXXX, TX XXXX To whom it may concern, I been trying to reach this CBNA to inquire about a hard inquiry reported to me on XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and was shocked to see this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 

I am not able to get a hold of anyone on the phone. 

Please help remove this from my credit report. 

I thank you for your assistance on this matter. 

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

I have reach out to Experian about an address that appears on my credit file that should have been DELETED because i nevered lived there. 

THE only Two address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX THE ONLY ADDRESS IN ERROR AND SHOULD BE DELETED SHOULD BE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX XXXX and informed them that this account was opened fraudulently and that they needed to remove the account off of my credit report. I then also reported it to the bureaus. They then said sorry it was opened fraudulently and charged it off and closed the account but refuse to remove it off of my account. According to the FCRA 15 US Code 1681eb. I know this is considered a paid debt and they have written it off on their taxes. So therefore it needs to be removed.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit remove can update accurately ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Finance ) Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Never heard of this company, but XXXX told me they used them to verify a rental address. I've never given CoreLogic permission to report anything to anyone. They have never provided me with any notice, advising me of who they are, and what they are doing. 

Per the FCRA as a federally protected consumer, I am now opting out of all, authorization, I, XXXX XXXX, ( and any other forms used alike XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ), the consumer, may have given written, unwritten, verbal and non-verbal per 15 U.S.C 6802.
Product: Debt collection

Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail US BANK XXXX, XXXX, and XXXX XXXX different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX made a purchase for a XXXX scooter it seemed like a good deal at XXXX actually exactally XXXX. 
I got nervous because it seemed too cheap especially with free shipping for a scooter which weighs 26 lbs. so I XXXX the website. Where I found that a lot of people were scammed from this site. It was about XXXX. But I immedently went through the process of trying to dispute the charge. I started with PayPal because they facilitated the payment although I didnt log into PayPal I checked out as a guest. Then I started a dispute with the XXXX XXXX  people that is the digital and physical card that I have that I used to buy this scooter. I realized I had to wait til the next day. Anyway Im in contact with both them trying to get something done and receiving no response from the merchant at all. I looked up the number on the website. It was an international number but still it was disconnected. And emails to the merchant with nothing just a receipt it was obvious I was scammed and was never to recieve a scooter. Never got a tracking number. Until about two weeks later I received an email from the website I purchased the scooter giving me a track number which said my package was delivered less than 24 hours after I purchased it. And XXXX said it weighed 11lbs. This is shocking and untrue. I filed a complaint with ups. And even though I gave them being the XXXX XXXX  customer service XXXX and several representatives from PayPal irrefutable evidence of my case. I have links and screenshots and testimony from other people online ripped off by this website and i will give it you. And also representatives for PayPal telling be how they see these scams a lot and gave me an explanation of how this site was able to pull it off. But PayPal didnt really want to work with me because i checked out as a guest and must not have looked at the evidence I submitted which showed by ups that there was no package. I have all of this documented my claim denied. I dont have a lot of money or time Iam ill but willing to fight for myself in this. I dont know if 100 is even enough to report through this channel but I need to try something I researched it and that led me here. The website is XXXX then ripped me off and the institutions i went for help in this denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Credit reporting

No contract or signature has been verified on these accounts. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/year> XX/XX/XXXXXXXX equifax XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Gredit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 

XXXX XXXX Late Date : XX/XX/19
Product: Checking or savings account

One of my accounts went missing. I have a statement from XXXX. On XXXX it is no longer showing. After calling in and speaking to a representative who spoke to 4 other representatives they have no idea where the account went and they can not see the account or the . It is not showing in closed accounts, it is just gone.
Product: Credit reporting or other personal consumer reports

After going over my monthly consumer report, I've noticed information that doesn't belong to me. I sent the creditor a debt validation letter regarding my concern in which they not responded. Experian is reporting a collection account that doesn't belong to me nor is there verification of this debt. I am asking that Experian investigate the inaccurate information listed in my dispute letter. The negative information is impeding my ability to obtain any relationships with potential lenders or institutions. I am aware that in order for any account or information to be reported to my consumer report must have my consent. I never gave the creditors the permission to share my personal information which is against my right to privacy. By reporting this inaccurate information, Experian is violating the duty to report maximum possible accuracy. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
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 and fraud on there 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 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Transunion has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''. They insist that the item was verified without never doing any verification and they refuse to answer my questions about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law.  Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments. I never had a tax lien with the state of Iowa.
Product: Credit reporting, credit repair services, or other personal consumer reports

called TransUnion/XXXX  after I purchased a credit report with XXXX  on XXXX XXXX XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there are Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus that believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX  and hoping that this XXXX XXXX Late payment XXXX 30 days late will be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My wages were garnished by 1st Franklin Financial Corporation beginning in XX/XX/XXXX at {$210.00} per paycheck. On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX reached out to my employer 's XXXX XXXX XXXX and stated that they had only received XXXX payments as of that date and that there was an outstanding balance of {$1300.00}. The Compliance Officer sent me an email stating that the garnishment would begin again and be reflected on my XX/XX/XXXX paystub. The remaining balance was garnished from my wages and the final total was displayed on my XX/XX/XXXX pay statement. In XXXX of XXXX 1st Franklin began reporting an unpaid balance of XXXX on my credit report. I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for more information on why this was occurring. She then stated that they never received XXXX payments. She stated that the Court system had recently been hacked and that she would attempt to track down the missing payments. I followed up our conversation with an email and sent a physical letter to the po box to create a paper trail. It has been well over the 30-day timeframe to investigate this matter and we have yet to reach a resolution. I called on XX/XX/XXXX to yet again get an understanding of why this error was still being reported on my credit report and was told that XXXX XXXX no longer works for the organization therefore my investigation fell through the cracks and no investigation was performed on the part of 1st Franklin to track down the payment that they are missing.
Product: Credit card or prepaid card

I have {$100.00} statement credit in my Discover credit card. About 3 weeks ago I requested a refund check of this {$100.00} statement credit. However, I never received the credit balance refund check from Discover Bank. 

A few days ago I called Discover card customer service and requested stopping payment on the check and tranferring the {$100.00} to my bank account on file using ACH Transfer. 

However, so far I still have NOT received the {$100.00} ACH transfer in my bank account yet. I am extremely disappointed with Discover Bank and request Discover to refund me the {$100.00} via ACH Transfer to my bank account on file immediately without any further delay.
Product: Mortgage

I sent documentation of direct deposits, a spreadsheet showing my position on my principal balance and a letter asking for resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items were sent via mail and the credit bureau has not replied in the time frame required by law.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute is listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid chargeoff is income and according to the FCRA income can not be reported on a credit report. 
I am requesting a 1099-C ( Cancellation of Debt ) from the XXXX following accounts listed below. 
1 ) Comenity Bank/ Express - # XXXX. 
2 ) Comenity BankXXXX XXXX XXXX # XXXX. 

After checking my credit reports the updated information stated the account was purchased by XXXX XXXX. 
The XXXX accounts can not be reported as charge offs if the accounts was sold to another lender. 
Please send the 1099-C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from CHASE, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from CHASE in connection with this request ( as I already have one and do not desire anymore at this current time. )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I disputed a XXXX XXXX XXXX on my consumer report with TransUnion. I asked them to send me a proper validation proving this debt indeed does belong to me which they did not provide but deem this account verified. TransUnion is being very unethical and handling business unprofessional. TransUnion did not provide the information requested which is violating the 15 USC 1681e statue. This has proven TransUnion has done an improper investigation.