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

I am writing to express my serious concern about the ongoing issue of fraudulent items on my credit report. Despite multiple attempts, I have been unsuccessful in having these fraudulent entries removed. 

I have diligently followed the proper procedures for disputing fraudulent items and have submitted the required documentation to substantiate my claims. However, the fraudulent items persist on my credit report, negatively impacting my creditworthiness and causing significant distress. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to rectify this matter promptly. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I kindly request that you conduct a thorough investigation into the fraudulent items on my credit report and take immediate action to remove them. I have attached supporting documentation to assist in your investigation. 

I expect a written response within 30 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX
Product: Debt collection

XXXX  claims that we owe them {$270.00} for services which we never received.We made our position clear but they kept harassing. And now what appears to be a third party sending emails and threatening action if we fail to respond to their emails. We are not even in a position to know whether the debt collector is a legitimate one or a scammer. We are asked to click on links like " Click here for more information about your balance '' or " Pay now in full ( you should!  ) '' a nd "  STOP SLACKING. '' Not only do we not owe this debt but we are harassed by this new entity using the shadiest e mail methods.
Product: Student loan

In my name, as a parent, I agreed to a XXXX XXXX XXXX for my son to attend this college in XXXX. It was {$30000.00}. That was not the issue. The issue is XXXX of XXXX, XXXX now owns the loan. As a single mother, my bill came in at {$110000.00} stating the XXXX XXXX XXXX XXXX is XXXX/XXXX/XXXX. Each time it goes into deferment, the interest is being capitalized. This INSANITY has to stop. XXXX says this is my only option as I am not eligible for anything else. I am a single parent and neither I or my son can pay the monthly payments. I was told that I could get no help because it is a " XXXX XXXX '' XXXX. I am not smart and this is XXXX me. Please help, I do n't know what to do!! I am XXXX XXXX XXXX and barely make just above minimum wage. I have no assets either since a recent divorce.
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 redrese for these violations.
Product: Credit card

On XX/XX/XXXX   I did an online request for a payout of {$300.00} for my rewards- this should have gone into my checking account ending in XXXX. Instead, it was deposited into an account ending in XXXX, which does not belong to me. They don't seem to understand that I have not received the rewards cash, despite me explaining numerous times. I have no idea what to do at this point since I can't get through to anyone there.
Product: Debt collection

This company lies and have put this debt on my credit report under false pretense. XXXX the XXXX has yelled at me, called me remedial and hung up in my face after I told her the debt was invalid and I want it removed. This debt was added to my report without. my knowledge. I was made aware of that debt after it had been ok my credit report. I did not speak with this company at all. They are telling me they spoke with someone regarding the debt but it was not me. They are lying and refuse to remove this invalid debt that I was unaware of. I want this removed immediately.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX BALANCED {$2900.00} XXXX  XXXX BALANCED {$640.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00}
Product: Student loan

I am reopening a previous complaint with Transworld ( XXXX XXXX XXXX XXXX XXXX XXXX ). I am now seeing discrepancies between parties XXXX XXXX and Transworld.  I recently reached an agreement to pay a lump sum with said company XXXX XXXX XXXX XXXX XXXX XXXX ( Transworld ) through the XXXX XXXX as stated in their closing. They stated they saw no XXXX XXXX. I will be attaching my DD214 ( Social Security Number blackout for Confidentiality ). Also, i see on the loan it is at {$9900.00}. However, XXXX XXXX states nearly {$16000.00} the total loan has come up too. Our agreement of the lump sum payment. Where are all these extra funds coming from. Also, the transaction history starts in the year XXXX  however the disbursement date was effective XXXX. Where are the 5 lost years of information? i will also be reaching out to my mother to find documentation on her trying to talk to XXXX XXXX XXXX XXXX XXXX XXXX. I know Transworld, XXXX, and several other comapnies. Where are the other 5 years. I will also attach the previous letter as well. I need answers everything seems very very fishy. if you waited 5 years to buy this loan or missing 5 years of documentation. how is that possible? Also I am adding the transaction history of the loan to show of where it starts.
Product: Debt collection

the bank is suing me for returning product to Amazon and no credit received, I FILED 7 COMPLAINTS ON THE BANK FOR REFUSING TO GIVE ME MY CREDIT FOR RETURNED ITEMS TO AMAZON
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Identity Theft Dispute and Request for Investigation Under FCRA Section 605B Dear CFPB Representative, I am writing to formally dispute the inclusion of certain fraudulent information on my credit file as a result of identity theft. The following social security numbers, addresses, and accounts do not belong to me and must be corrected or removed pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX Correct Address XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Social Security Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : XXXX. XXXX XXXX o Account number : XXXX o Status : Open, Balance {$160.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX o Status : Open, {$370.00} past due as of XX/XX/XXXX, Balance {$1900.00} XXXX. XXXX XXXX Bank XXXX XXXX Account number : XXXX o Status : Paid, Closed as of XX/XX/XXXX XXXX. XXXX XXXX XXXX o Account number : XXXX o Status : Paid, Closed as of XXXX XXXX XXXX. XXXX XXXX o Account number : XXXX o Status : Paid in XXXX  as of XX/XX/XXXX These accounts were fraudulently opened or reported without my knowledge or consent. I have attached an identity theft affidavit and supporting documentation to assist in verifying my claims. 
Requested Action : Under FCRA XXXX XXXX, I request that the CFPB take the following actions : XXXX. XXXX and permanently remove all fraudulent information from my credit file. 
XXXX. Refrain from reporting any of this information to third parties. 
XXXX. Provide written confirmation of the removal of these items. 
Please confirm receipt of this letter and update me on the status of your investigation. If you require any additional information, do not hesitate to contact me using the details above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Update : Now the credit freeze site take me to a page requesting that I complete a freeze by mail instead of a generic credit report request page.

Still unacceptable. I have found statements from Experian stating that this is a security precaution and intentional ; however, this makes it more difficult to freeze my credit to protect against fraud than it is to take out a new line of credit! This is completely unreasonable and makes absolutely no sense.

I have easily placed a freeze with XXXX  and XXXX  online through their respective websites ( although the XXXX  service was down last night ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : I am going through identity fraud which is why I have a fraud alert on my credit. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been four hard inquiries in the month of XXXX which has impacted my credit score on Equifax. The first mistake was a report of secondary account opened at XXXX, I was easily able to dispute this problem which decreased my credit score by XXXX points I called the bank immediately and found no other account open under my name which I reported to Equifax, the second inquires were back to back in the order of XXXX ( XXXX ), XXXX XXXX XXXX  ( XX/XX/25 ), XXXX XXXX XXXX  ( XX/XX/25 ) and XXXX XXXX XXXX ( XX/XX/25 ). I called Equifax immediately about these inquires and were met with unhelpful responses, which lead me to ask more questions such as l, whats the name on this account. This inquire turned out on their system that Equifax combined my brothers name with my account, I have explained throughly this is not possible since I have had my account longer then his, they are aware this is their mistake but refuse to do anything about it other then to send in my SS card, Driver license and letter of why Im requesting this change. After doing this they still will not remove the inquires though they have made the mistake in the first place. All the other bureaus have not made this mistake and are reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report Ive notice some unauthorized inquiries on my profile. 
The following : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XX/XX/2022. 
Again these inquires were unauthorized and I request to have them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus about an inaccurate account that is on my credit report. XXXX has deleted this fraudulent account to reflect my true credit history, but XXXX and Equifax has yet to remove the account or send sufficient documentation supporting this claim. They are in violation of the Fair credit reporting act for failing to respond within 30 days. I am asking that these 2 agencies follow suit and remove this account. Legal action will result. 

Account : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a letter around XXXX XXXX informing me that a transaction through western union of XXXX was never received so I followed all rules by sending a copy of id and the bottom part of letter filled out by a deadline which Im positive I made the timeframe but they never sent my funds back As mentioned Ive emailed they dont respond Ive called and they say nothing is found and no knowledge on the letter I received from them
Product: Checking or savings account

i am very let down by how the goverment agencys such as yourself CFPB have done nothing to help me protect my elder grandfather and his assest he worked his whole life to build. i filed a complaint with i dont know how many agencies that are supose to be there to help consumers and what a complete let down. when wells fargo employees have no morals and can steal and let others steal from customers why would you really think you sending them a letter is going to do any justice for anyone theyve harmed? this is unacceptable. they wont respond to your request so now you may understand what we have been going through! so now what? just a wasre of my time again, more money, ink, a printer, paper and more money to send faxes. well guess wells fargo does what they want at our expense again! thanks for nothing CFPB just more letters to file away proving this goverment could careless what we go through. this is regarding complaint # XXXX
Product: Student loan

Ive clearly communicated multiple times via written and phone communications to Nelnet that the loans placed by XXXX XXXX  on my account are illegal as I was never their student. I visited this university day 1 of classes and I had natural disasters that occurred in my lifetime history I got severely ill and I was in the hospital for a long duration. XXXX XXXX  took advantage of the time I was in the hospital to place loans on my accounts and avoided all communications with me till today. I reported this incident more than several times to Nelnet, however, Nelnet response was to contact the school myself when the school ignores my inquiry. NELNET MUST REMOVE UNAUTHORIZED LOANS FROM XXXX XXXX  IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting in accurate information on my credit report Ive called to get the in correct information deleted the inquiries below are fraudulent. 

XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 2021
Product: Debt collection

As of today XX/XX/year>. I herby declare i am unaware of this debt. 



According to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I did not have an opportunity. 



I did not recieve any letter or notification from this company within the 5 days of this account being opened. I did not have an opportunity to address the alleged debt prior to this company billing me for it and placing the account along with its experiences on my credit report. If in fact you believe you gave me proper notification, which would give you legal right to assume the debt belongs to me due to unresponsiveness, please send me the ORIGINAL DOCUMENT containing the CERTIFIED RECIPT WITH THE DATE, MY NAME AND SIGNATURE PROVING I RECIEVED IT AND WAS MADE AWARE WITHIN THE PROPER TIME FRAME. 



ALSO, according to 15 U.S. Code 1681b ( a ) ( 2 ) for Permissible purposes of consumer reports A consumer reporting agency may only furnish my information to a third party or affiliate company unless it is for a court case or In accordance with the written instructions of the consumer to whom it relates. Please also furnish the ORIGINAL DOCUMENT OF WRITTEN INSTRUCTIONS THAT I GAVE YOUR COMPANY PERMISSION to report this ALLEGED DEBT to a third party without my consent and other affiliates with whom i have no business. THIS LETTER SHOULD ALSO HAVE MY SIGNATURE PROVING IT WAS ME AND I GAVE WRITTEN INSTRUCTION AND AUTHORIZATION TO DO SO. 



You have 30 days from the date of this notice and complaint through the CFPB to furnish the document of me giving your company written consent/instructions to furnish my information to others without my consent and to provide proof via green certified mail receipt, containing my signature, proving that i was made aware of this alleged debt within the 5 days of its inception. 

Also please provide the Original Promissory note proving i owe this alleged debt and provide the original instrument of indebtness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX Account/Reference # XXXX, XXXX  XXXX XXXX Account/Reference # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN AND XXXX XXXX SEVERAL TIMES EXPERIAN SAYS AN ACCOUNT IS VERIFIED AS ACCURATE HOWEVER THE COLLECTION AGENCY WHO PURCHASED THE ACCOUNT FROM XXXX XXXX VERIFIED THE ACCOUNT WAS FRAUD AND REMOVED IT. 

FTC REPORTS AND POLICE REPORTS HAVE BEEN FILED AND SUBMITTED TO EXPERIAN FOR EVIDENCE OF FRAUD AND ID THEFT FTC REPORT # XXXX IS FOR XXXX  XXXX ACCT XXXX THE ACCOUNT IS CLOSED. 

EXPERIAN WAS ASKED IN XX/XX/2022 AND XX/XX/2022 TO PROVIDE INFORMATION TO VALIDATE EXPERIAN SIMPLY STATED THEY ARENT REQUIRED TO GET DOCUMENTS FROM THE DATA FURNISHER. 

1 ) I ASKED EXPERIAN TO PROVIDE THE METHODS USED TO VERIFY THE ACCOUNT 2 ) THE NAME AND ADDRESS OF THE PERSON WHO VERIFIED THE ACCOUNT 3 ) PROVIDE THE DOCUMENTS USED TO VERIFY THE ACCOUNT. 

AS OF XX/XX/2022 EXPERIAN IS STILL VIOLATING MY RIGHTS UNDER THE FCRA UNDER FCRA 611 ( 5 ) ( A ) OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INCOMPLETE OR WHICH CAN NOT BE VERIFIED. 
ITS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C 1681 ECERY SINGLE ONE EVEN EACH ANY OR ALL THE UNPROVEN, NON-COMPLIANT, UNTURE OR INCORRECT AND UNDERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMTPLY NEGATED IN ITS ENTRIETY OR THE ALLEGED ACCOUNTS ARE TO BE REMOVED I AM NOW ENACTING MY COMSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL WITH PERSMANENT DELETION OF THESE DEROGATORY ACCOUNTS OR PROVIDE TESTIMONY AND CERTIFICATION THAT YOU ARE ADHERING TO MANDATED METRO 2 DATA FORMATTED REPORTING STANDARDS ACCORDING TO REGULATIONS BY THE PROVISIONS OF THE FCRA AND PERS THE STANDARDS OF REPORTING COMPLAINCE I, PLEMENTED WITH THE XXXX  ENACTED XXXX  METRO 2 COMPLIANCE REGULATIONS, I DEMAND THESE ACCOUNTS BE REMOVED PLEASE UPDATE MY REPORT AND SEND ME A COPY
Product: Mortgage

( PMI ) Loan to value home appraised at {$67000.00} purchased price {$61000.00} base loan amount {$55000.00} as of XX/XX/XXXX debt on principle {$42000.00} called in XX/XX/XXXX to stop PMI payments need to sign request form to stop PMI documents to stop was not delivered. has not stopped called again XX/XX/XXXX told that i need to sign request documents to stop PMI still no documation was delivered as of XX/XX/XXXX i'm being over charged for past year please help This shoud have stopped when I reach 78 % of value {$52000.00}
Product: Checking or savings account

XX/XX/year> On XX/XX/year>, I was charged {$650.00} by Truist, saying that I owned money to XXXX XXXX XXXX. And I did explain them that I received in the past a letter from XXXX XXXX XXXX about that matter. Truist violated the law, then they didn't send me any letter to recover any amount from my account. I would like to get that money back to my account please. 

Thank you, XXXX XXXX
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 confidentially 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 15 U.S.C 1681 section 602 A.States I have the rights 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 1681 ( 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 reporting Knows or has reasonable causes to believe that the information is inaccurate