23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Have been disputing these items for over 6 months and still no recourse of VALIDATION of their accuracy. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

XXXX XXXX XXXX OF XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the account number, name, and type for this collection are reporting incorrectly. Please delete this collection for it 's errors. 

XXXX XXXX XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's 100 % accurate. Remove it from my credit report immediately please. 

XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA XXXX I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated an international money transfer to XXXX through sendwave. I had sent {$1600.00} to a XXXX XXXXXXXX XXXX  account number. The recipient was supposed to receive XXXX XXXX. My transaction was supposed to be delivered in minutes but originally said " delayed '' of which I called Sendwave to cancel the transaction since they couldn't deliver. The next day, XX/XX/year>, the status of the transaction was changed to " delivered '' but my recipient did not receive any money in XXXX  I contacted sendwave immediately and I was told a reversal has been initiated. It's been over XXXX weeks now, sendwave has not credited my recipient nor refunded my dollar amount. They're now saying that " reversing the transaction is not guaranteed ''. So, basically they're trying to SCAM me of {$1600.00}. They will not deliver XXXX  and won't refund my dollars. I also provided the recipient 's statement of account showing no money was received, which Sendwave acknowledged but will still not refund my dollars. They keep saying they're waiting to hear from their partners.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX  I do not know who this account is. I did try calling XXXX XXXXXXXX, and they directed me to XXXX whom said I would have to speak with XXXX and could not assist me.
Product: Credit card or prepaid card

On XX/XX/2023 I filed a CFPB complaint against PenFed regarding the fact that PenFed does not provide the same level of service to consumers who prefer not to communicate via telephone ( including communications via TTY service ) and that PnFed does not take requests from consumers for reasonable accommodations under Americans with Disabilities Act. 

Today I could not log in into my PenFed account online and realized that my online access was blocked by PenFed.

I believe that PenFed had blocked my access as a retaliation to my complaint made to CFPB on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no able to file a disputed online i am looking over my credit report and I see a item that I would like to dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXXXXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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.

The accounts below have 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 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
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. 
XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # 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 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: Credit reporting or other personal consumer reports

The ONLY acceptable resolution to this problem is a deletion of the trade line. They changed the reporting on Equifax to make it look even worse. Now, instead of a bunch of 120 day lates, there are a bunch of 150 day lates! This is pure retaliation and I'm considering hiring an attorney and letting them handle it. XXXX IS VIOLATING FEDERAL LAW. I will continue to do a new complaint every month until this is resolved. It doesn't take 60 days to click a button to delete this fraudulent account. 
Equifax keeps validating it and not taking me seriously. 

I'm doing everything right and still being punished after I was promised this would be taken care of. Get rid of it now!
Product: Credit card or prepaid card

THEY HAVE OVER A 3 1/2 HOUR HOLD TIME ON AVERAGE TO SPEAK TO A REPRESENTATIVE AND WILL NOT GET ME THE FUNDS OWED ON MY CARD. I FILED A COMPLAINT AFTER TRYING TO WORK WITH THEM FOR MONTHS. NO RESOLUTION. THEY ASK FOR MORE TIME FROM YOU GUYS. 

** THEY ARE ILLEGALLY DENYING ME THE RIGHT TO FILE A DISPUTE, BECAUSE EVERY TIME I CALL I GET THE RUN AROUND. APPARENTLY THEY HAD A DISPUTE FOR SOME CHARGES BUT NOT ALL OF THEM. MY CARD IS NEGATIVE OVER XXXX AND I AM OWED XXXX ON TOP OF THIS. 


I TRIED OVER AND OVER AND OVER AND OVER TO GET A RESOLUTION. AFTER FILING A COMPLAINT I GOT A CALL BACK FROM A GIRL NAMED XXXX XXXX XXXX XXXX SHE PROMISED SHE WOULD LOOK INTO THIS AND GIVE ME A CALL BACK. I HAVE NOT RECEIVED ONE AFTER LEAVING 5 MESSAGES AND WAITING PATIENTLY. 

TURNS OUT THE PERSON WHO HAD MY CARD THAT I WAS NOT IN RECEIPT HAD DONE MULTIPLE CHARGES ON THE CARD, AND I JUST FINALLY WAS ABLE TO GET A CARD OUT TO ME THAT " WORKS ''. I HAVE NO ACCESS TO FUNDS AS IT IS XXXX AND CHANGE. I AM OWED XXXX AND THE CARD IS NEGATIVE XXXX THIS COMPANY IS USING DECEPTIVE DISPUTE PRACTICES TO EVADE FROM THE LEGAL TIMELINES THAT CONSUMERS HAVE TO BE GIVEN UNDER THE LAW. THEY HAVE BEEN DOING THIS TO QUITE A FEW PEOPLE AND WONT FILE DISPUTES/ CLOSE THEM ONLY TO REOPEN THEM AND GAIN MORE TIME WHEN THEYFULLY KNOW THESE NEED TO BE CREDITED WITHIN 10 DAYS. 

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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 Consumers Financial Protection Act. Cash app failed to take timely and effective measures to prevent an access fraud on their platform, leave my account, vulnerable, and unprotected in which anything couldve happened. Furthermore their dispute resolution process was unfair and also deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act and Regulation E. These actions have caused significant inconvenience and also financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, several hard inquiries were made to my credit that I did not initiate. 

1 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX ( There are also several soft inquiries made to my account under XXXX XXXX 's name ) 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH, XXXX Upon calling XXXX XXXX to inquire about this inquiry and to report it as fraud, they informed me that there were not any accounts that currently appeared under my name and that I should send a letter detailing the issues to them. I have initiated a dispute through XXXX to these inquiries and will do so on other reports.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, or personal loan

Speedy Cash is taking money out of my account and I never applied for this loan. If you do not how my photo ID or my signature online. Im requesting document and I will file civil suit against you for fraud. I will seek damages ..
Product: Debt collection

Transworld Systems Inc. ( Company ) Company falsely accused me of owing a debt.

Company falsely accused me of being a member of their services in 2019 ( resulting in false debt ).

Company fraudulently sent a bill to collections.

Company fraudulently ( claims ) to have collected funds.

I have never been to the original collector. The company has many reviews about fraudulent activity. 

Company is causing severe emotional distress due to their fraudulent activities.
Product: Credit reporting or other personal consumer reports

They verified this account as mine despite the fact the information on the credit report is inaccurate. No accounts with XXXX account # XXXX or XXXX account # XXXX were verified using XXXX, equifax and XXXX information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reports the as being a charge off and if it has done so and reported to the IRS, I have never received a 1099-C. If this is what happen, then if I am understanding right, they were required to send me this by XX/XX/XXXX of that year. If they did not report to the IRS, then I believe they should have to provide me information on when the last time they show I paid on the account from any credit card or banking account so I can verify with that institution
Product: Mortgage

I made a claim to my insurance company for water damage to my home. They reimbursed me for water restoration and repairs. Checks were made out to me and my mortgage company. I contacted my mortgage company to see how I go about cashing the checks. I was told to endorse the checks, complete numerous forms and mail all of it to them ... which I did promptly. A few days later I called to make sure they received everything. They said they had n't gotten it yet. Next time I called they said they got the checks but not the forms ( IMPOSSIBLE since they were all mailed together ). On future phone calls I was told the following : 1 ) they did find the forms, 2 ) that I now needed a XXXX form from the water restoration company ( why was n't this form requested along with the first ones?? ), 3 ) that they did n't receive the requested XXXX form..so I sent it again, 4 ) now they did have the XXXX, 5 ) that they could n't refund my money because the corporate office had put a stop on my loan, 6 ) that the stop was put on in error and they would remove it. Last call was made two days after they said they would ask the corporate office to remove the stop. I was told they would call me when it was removed and they would process my check at that time ; that was 2 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX  are illegally reporting bankruptcy to my credit report. i have never lived at the address listed on the bankruptcy and the date listed on my credit report are wrong and should be deleted.After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute inaccurate information on my Experian Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to XXXX XXXX XXXX and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is XXXX XXXX XXXX Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. Experian has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.
Product: Debt collection

XX/XX/XXXX I answered a call from caller ID ( XXXX ) XXXX around XXXX. The representative was asking information about myself, and I tried to get information what the call was about. The representative seemed hesitant to give me details about the call but was insistent to get my personal information. Eventually, I was told that I have an unpaid balance of {$560.00} from my XXXX  acct that was closed on XXXX. 
Just to give a brief background about the matter. When I cancelled my old account to transfer to a new one, no balance was addressed to the best of my knowledge. I even went to three XXXX retail stores, had a face-to-face conversation with staffs with regards to this particular transaction ( cancelation of account ). And yet nobody mentioned to me that I have to pay the remaining balance of my equipment. I even confirmed with staffs before leaving the stores, and that I don't have any balance. In the two years that had passed, I did not receive any mails from XXXX because they have the wrong number address in their system. 
I called XXXX ( XXXX ) XXXX to verify the claim. The amount due was confirmed. I wanted to get more information how it happened. The rep can't access to my account via phone, it would be better to go to the XXXX store according to her. Per XXXX rep nothing can be done with matter since it was way overdue and that I have to pay the amount. 
It is not my intention not to pay any dues. I don't think it was fair for XXXX to put that burden on my shoulder to pay {$560.00}. I felt I was misinformed as a consumer and that the staff did not do a good customer service in addressing me their terms and conditions even when I was already at their store and would be willing to settle the matter and pay whatever due at that time. I am reaching out hoping that this concern be treated fairly and just. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the immediate action done by the Credit Bureaus to remove some of the fraudulent accounts and information that have been reported on my Credit file. However, I noticed that there are still fraudulent accounts and information that are reporting on my Credit file. I have read that under the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus are still reporting the disputed accounts without properly verifying the disputed accounts. I am submitting this account to request the Credit Reporting Agencies to remove the disputed accounts and information that are still reporting on my Credit File. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$55000.00} XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

Experian claims to have validated and verified this collection account listed as XXXX XXXX XXXX but did not provide me with any evidence that they used to come to this conclusion. I would like the documents or the person with whom they spoke with to determine this information. It is my belief that no such information exists because I have no knowledge of this company or ever doing any business with them to have them listed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

CLOSE ACCOUNT XXXX. XXXX XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX. XXXX XXXX. KICKOFF LENDING LLC  ( XXXX ) OPENED XX/XX/XXXX CLOSED XXXX XXXX, XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX OPENED XXXX XXXX, XXXX CLOSED XX/XX/XXXX THESE WERE OPEN BY FRAUD AND I PAID THEM ON FULL TO BE REMOVED AND THEY ARE STILL SHOWN ON CREDIT REPORTS. THESE BANKS TOLD ME ONCE I PAY THEM IN FULL THEY WILL GET REMOVED I WOULDN'T WANT TO WAIT XXXX XXXX  FOR SOMETHING THAT AINT MINE. I CONTACT XXXX AND THEY TOLD ME TO DO THIS STEPS AND YES IN THE PAST EVERYTHING WAS REPORTED AS FRAUD BUT WAS NEVER REMOVED.