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

As provided by the Fair Credit Reporting Act, I am disputing the following inaccurate personal information that does not correspond with my legal documentation ( see attached ). These inaccurate versions of my name and address are creating confusion with my creditors and lenders to whom I have submitted applications because the information contained in your records does not match my personal credit identity. This is a formal request to remove the following inaccurate information from my report. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. According to the fair credit reporting act 12USC 1681. I have the right to privacy. These are clear violations of my federally protected consumer rights. 
Remove all these versions on name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Remove all these version of address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Av, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

I requested a credit report in  XXXX   XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service  Ad Astra  for  XXXX   XXXX  was listed on my report. I have lived in Oklahoma since  XXXX  and have NEVER used a payday loan service. I disputed the false addresses a nd Ad Astra account. I did get the addresses removed, but have tried for several years to have the negative report from Ad Astra remove d.     I have repeatedly disputed this information on my account and have never received any direct notification from  Ad Astra un til  XXXX   XXXX   XXXX . This account does not belong to me.  XXXX   XXXX  has closed this account on my report, however  XXXX  has not done so after repeated disputes.     I have tried to find an email contact  for Ad Astra to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from Ad Astra.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have some unauthorized inquiries appearing on my credit report. I have attached a FTC report and supporting documents. 

I did not authorize these inquiries. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date Of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
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 violates 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 u protected. They did not comply with error resolution requirements ( 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc XXXX days ago
Product: Mortgage

Dear Freedom Mortgage, Your correspondence dated XXXX XX/XX/2018 the postmark was not applied tell the XX/XX/2018. We are unable to determine when it was actually provided to the US Mail service, as the postmark is not canceled. 
Your correspondence denotes the use of bill pay of which is not used by the borrower. Thus highlighting the fact you are not understanding or reading the correspondence sent to you. Your correspondence states that enclosures are with the correspondence but there are none. As you received payment for XX/XX/2018 and failed to credit the payment thus causing a late payment in XXXX and XXXX the late payment is due to your actions not the borrower. Wherefore the payment did and was verified to have made to your bank account thru your action of depositing the check, you did receive payment. Therefore your actions of demanding a late fee '' and inspection fee '' are fraudulent. You have had sent to you copies of the canceled checks for the month of XXXX and several months prior to XX/XX/2018 showing that you did in fact receive payment. Your choice to ignore the fact you did receive payment and make claims of late payment to credit agencies to damage the barrowers credit represents your flagrant dishonesty. All contact shall be thru correspondence.

Freedom Mortgage shall provide to the borrower thru the US Mail an FULL accounting of all funds received and dispersed from the inception of Freedom loan # XXXX ( XXXX XXXX # XXXX ) showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made. All disbursements shall be clearly described. The description shall not be deceptive, the term fee or other shall not be used.
Product: Debt collection

I have medical bill reporting on my credit that I have no knowledge of. I have never utilized these services under no circumstances. This debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXXXXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX
Product: Checking or savings account

my ex wife using my checking account for XXXX expenses it charge mutliple times without my authrizaiton
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past I have notified  XXXX  and Equifax that I have never attended college in  XXXX , Wa and I would like the student loans that are from   XXXX   XXXX   removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.     XXXX   XXXX
Product: Debt collection

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX {$220.00} Open balance I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to EXPRESS RECOVERY agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting EXPRESS RECOVERY agency to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXXXXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Product: Debt collection

On XX/XX/year> I requested an investigation regarding my consumer report. I noticed that your company had 3 different accounts furnished fraudulently on my report. After that investigation you have removed the accounts from only 1 bureau I want these accounts removed from all 3 major consumer reporting agencies. According to the FDCPA you are violating my consumer rights by reporting false and misleading information about me. 15 USC 1692g states that you are required to validate all debts prior to reporting it to a CRA now due to your negligence my credit worthiness has been affected. 15 USC 1681n Civil Liability affirms the consequences for your actions should you chose to not delete these items permantely from my consumer report. JEFFCAPSYSXXXXJEFFCAPSYS - XXXX JEFFERSNCP - XXXX There is no reason for you to have this many fraudulent accounts in my name when I have never signed anything agreeing to pay your company anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2020 ) I tried to lift a freeze on my credit report temporarily. I also tried the one-time pin. Neither of these options work with the PIN and information I have used previously. Last time I had this issue, I was able to call Experian. This time, I am given an automated prompt to file half a dozen documents by mail. I only have this issue with Experian, and it happens every time I try to lift the freeze. I don't see how this is acceptable, especially during a time when access to credit and remaining secure is so important.
Product: Debt collection

Subject : Dispute Regarding Unauthorized Credit Actions I am writing to formally dispute a credit issue that has arisen due to actions taken by an individual named XXXX XXXX XXXX. 

To provide context, I relocated to XXXX California with my significant other after experiencing personal challenges following the tragic loss of my father in 2004. During this time, I was struggling with mental health issues and made the regrettable decision to engage in a casual relationship with XXXX XXXX. Despite my clear intentions of keeping our relationship non-committal, XXXX XXXX expressed a desire for something more serious, which I firmly declined. 

During our brief time together, I stayed at her mothers home in XXXX. However, I made it explicitly clear that I did not wish to enter into a formal relationship or cohabitate with her. Subsequently, I moved away while XXXX XXXX was at work and returned to my family in XXXX, IL. Shortly after my departure, I was informed that XXXX XXXX had forged my signature on a lease agreement for an apartment without my consent. 

Over the past year and eight months, I have reconnected with my ex-partner. Since then, XXXX XXXX has engaged in persistent harassment towards both my significant other and me. I reached out to XXXX XXXX mother regarding her daughters behavior, and she advised me to secure my credit. She also indicated that XXXX XXXX has XXXX XXXX XXXX, further complicating the situation. 

To make matters worse, XXXX XXXX has again forged my signature on various documents, attempting to hold me accountable for financial obligations I never agreed to. I have evidence of my financial status during that time, which includes being on public assistance, and I am currently employed as a caretaker for my significant other. 

Additionally, XXXX XXXX brother has reportedly engaged in hacking our social media accounts, causing further distress. We have sought legal recourse through a restraining order against her, but attempts to serve her have been unsuccessful due to her living situation not being registered in her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED XXXX  AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. MIDWEST RECOVERY HAS ASKED FOR XXXX  TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.MIDWEST RECOVERY REQUESTED THE REMOVAL IN JXX/XX/2018.  THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Date : XX/XX/2022 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XXXX, XXXX I sent a certified letter to Portfolio Recovery Associates asking for them to validate a debt of mine that had been sold to them on XXXX/XXXX/XXXX. I received validation of this debt from them via mail on XXXX XXXX, XXXX. This letter validated that they had purchased the debt in the amount of {$2200.00}. On XXXX XXXX, I replied to the validation with a letter sent certified mail explaining the situation and offering to settle the debt for {$1100.00}, and also asked that the account be reported as paid in full to the XXXX major credit reporting agencies once they received payment from me. I received a card back from the United States Postal Service stating that a XXXX XXXX received the document on XXXX XXXX, XXXX. I have not heard back from Portfolio Recovery Associates since sending that letter- nearly three months ago. I would like to get this debt settled but have not received a letter accepting or denying my settlement offer.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue over XXXX  days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent. Fraudulent Account : XXXX XXXXG XXXX XX/XX/2018 {$700.00}.
Product: Credit card or prepaid card

About two weeks ago I received a card in the mail that I didn't apply for and an indication that I should activate the card. I took that to mean that if I didn't activate the card, the card would not be active and the account wouldn't exist. Today, I received in the mail a statement showing I owed {$75.00} for the card for an " annual fee '' for a card I didn't order and didn't activate. 

I contacted the company and they said this was likely a case of identity fraud. However, that makes no sense as the card was linked to my cell phone and sent to my home address. I asked for a copy of my application to be sent to me and they said that they couldn't do that. I asked for the card to be canceled, the account closed, and the amount owed to be XXXX  out. I was told it would be suspended until they concluded their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was no reasonable investigation conducted. The credit reporting bureaus did not notify me of the investigation results via us mail.
Product: Credit reporting or other personal consumer reports

In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Please conduct a comprehensive investigation and update my credit report accordingly.
Product: Student loan

I submitted an application to revise my payment plan from IDR to PAYE/ REPAYE on XX/XX/XXXX. My IDR payment amount was about {$540.00}. I had NO choice but to allow my account to go into forbearance to permit this.
At the beginning of XX/XX/XXXX when I got updated information, I spoke with a customer service rep which told me I had no choice but to pay a forbearance amount that would NOT count towards my PSLF. If I paid, I would have my new repayment amount for XX/XX/XXXX. The amount wouldnt be direct debit, so Id have to pay manually. I signed in and paid {$540.00} on XX/XX/XXXX. It was due XX/XX/XXXX.
At the end of XX/XX/XXXX around the XXXX or XXXX, I called FedLoan again to ask when I would know my new repayment amount and roughly the amount. They told me about {$470.00} and I should know within 2 weeks.
This morning I received an email for payment. I signed in expecting to see my new repayment amount, but instead I see they are charging me {$970.00}. Panicked, I called to find out if there was some error that they would easily fix.
I was told they couldnt process my new plan in time, so I now have 2 choices : choose forbeance and delay my PSLF by yet another month, or pay {$970.00}. My new repayment plan will probably start in XX/XX/XXXX.
I asked why its done this way each time Ive called. Each time Im told this is the way the federal government chooses to do it. This is extremely discouraging. I opted to change my repayment plan to help improve my situation. If Id known it required essentially delaying my PSLF by 2 months and mountains of stress, I probably wouldnt have done it. This process is disheartening and demoralizing.
Product: Debt collection

I received a collection account on my credit report from XXXX XXXX XXXX XXXX in the amount of {$2900.00}. This debt does not belong to me. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX has not provided proof of the debt. 

I ask that XXXX XXXX XXXX XXXX validate ownership of the debt account and remove the collection account for my credit report.
Product: Debt collection

Resurgent/LVNV Funding have not given a legal contact between their company and myself stating that I promised to a pay them XXXX dollars nor any amount of money. I have not received any notification from their company, nor have I spoken with any representative of their company.
Product: Credit reporting, credit repair services, 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 fidentiality under 15 USC Account # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c. 1681 section 602a.

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. 168 ( c ) ( a ) ( 5 ) section states No consumer reporting agency may make Any consumer reports containing any of the following items Information any other advise items of the information other than the records.

Of the convictions of crimes Which antedates the report of more than 7 years.

15 u.s.c. 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer To any consumer reporting agency If the person knows XXXX has reasonable cause to believe that the information is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been fraudulently opened in my name. I have tried disputing it multiple times. Please remove this account immediately.