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

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they appear to be the result of a data breach or fraud. I demand verifiable proof, including a copy of my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of Information Resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible Purposes of Consumer Reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

Under the FCRA, Equifax is required to investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). I have enclosed copies of the relevant FCRA sections for reference. 

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to take further action to protect my rights.
Product: Student loan

Navient has sent several documents to show that they are correct on their side after my loans have been consolidated. I am requesting the information for my loans prior to the consolidation. The information on the Federal Aid site is different what was consolidated. I am requesting detained information on loans from XXXX and interest since on the Federal site has credits that the Navient information does not show. I am trying to identify that difference. Contacted Fed Aid website but was directed to contact Navient. Attached are copies directly from the Fed website which are in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -  XXXX  2.   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -  XXXX  5.   XXXX   XXXX   -  XXXX  6.   XXXX   XXXX   -   XXXX   7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -  XXXX  9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX
Product: Debt collection

This company AmerAssist, is constantly calling my work at least XXXX or XXXX times a day harassing me and my coworkers for personal financial information. They have been told on numerous occasions to stop contacting my place of employment as well as a letter has been sent to the company to stop all communication unless in writing. This company will not stop calling no matter what I do. This so called debit they are trying to collect is XXXX times the amount of what is actually owed and false. I do not owe this amount!
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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Credit Collection XXXX, XXXX XXXX  XXXX has violated my rights. 

I looked at my TransUnion 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 generallf, 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: 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 XXXX 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

I am writing to formally request assistance in resolving a dispute with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following discrepancies, but to date, I have not received any response. Please find the details of the inaccurate information and the necessary corrections below : Account Not Late - XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I kindly request that you correct this inaccurate information on my credit report. 


Account Not Late XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ). I request the removal of this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00} ). Please remove this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ). I request the removal of this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5500.00} ). Please remove this account from my credit report. 


Account Not Mine - US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). I request the removal of this account from my credit report.
Product: Checking or savings account

My attorney subpoenaed Wells Fargo on XX/XX/XXXX, for bank records of Safety Deposit Boxes that were closed on XX/XX/XXXX as per a customer visit summary depicting that a non account owner accessed and closed boxes. After 4 and a half months Wells Fargo declares that the records can not be found on boxes as to how they were accessed or closed. One box completely missing all records 5 months after closure, one box missing records on how accessed and closed.
Product: Credit card or prepaid card

I RECEIVED SOLICITATION FROM CHASE DUE TO MY OUTSTANDING CREDIT AND COMPANY NEVER TRANSFER THE BALANCE AND ALSO CONTINUE TO CHARGES ME INTEREST FEES THRU OUT THE PROMOTIONAL 15 MONTHS STATED AS ADVERTISED AND PROMISE NO FEES/ INTEREST ... IN WHICH IS VIOLATES OF ... DECEPTIVE BUSINESS PRACTICES, BAIT N SWITCH, VIOLATES TRUTH AND LENDING ACT, FCBA AND FDCPA '' ..ALSO I DID NOT RECEIVE ANY NOTICE IN TIMELY MANNER OF BILLING STATEMENT AS REQUIRED PER FCBA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Product: Bank account or service

I have authorized electronic/paperless delivery of all my monthly statements & bills for multiple accounts & have not incurred any problems with delivery other than Cap1/Cosco The membership renewal for Costco was sent to my spam folder in XX/XX/2015 which I do not monitor because I have not used the card to incur a balance since XX/XX/2015 due to prior issues with " their '' statement delivery. In XX/XX/2015 I was clearing my spam folder & noticed a Costco account alert e-mail. This was a renewal of which resulted in late charges & a credit report of a balance unpaid after 30 days, which in turn resulted in a XXXX point drop on my credit rating. Although the membership renewal was not paid since XX/XX/2015 I was still allowed use of the membership card for access & multiple purchases. My long standing credit file & payment history was recognized when I spoke with an account representative who said she would transfer me to a capitol one account representative who could further assist me in resolving my issue. The Cap/1 representative responded that it is their legal responsibility to report any balances due over 30 days to the credit reporting agencies & could not assist me any further. Although I can sense the outcome, I forge forward & recontact yet another Costco account representative who also recognizes my excellent credit history & is willing to wave the {$1.00}? balance due so that my account would be paid in full .When I first became aware of the renewal e-mail I did proceed to pay in full with late charges & all {$120.00} ( XXXX/XXXX/15 ). I have no idea were a balance due of {$1.00} relates to nor did the representative ( today XXXX/XXXX/15 ). Nonetheless she was willing to wave the {$1.00}, as well as offer a credit for {$50.00}, but could not offer any resolve to the 30 day delinquency as reported. I can provide copies & dates of all as explained per request. In closing, after all these years I have managed to adapt to the inevitable changes that we experience & accept everyday, but I just do n't get it. With that being said I hereby request " your '' review & assistanceSincerely,
Product: Mortgage

I received an email from Lakeview XXXX  on XX/XX/XXXX for disbursement of property and water tax in the amount of {$2800.00}. I communicated to them through email and phone XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( phone call ), and XX/XX/XXXX in regards to the payment made and that the amount due was supposed to equal to {$5600.00} and they only made half the payment. I communicated to them several times that due to 50/50 homestead due to XXXX  owners on same mortgage loan they would have to make payments for XXXX  separate accounts and even submitted invoices for both accounts to show proof that this was the case. The county and water company have both myself and the other owner separate accounts as this is how they advised me to apply for homestead, but the mortgage company has failed to update me or make the other payments, causing the account to go delinquent and owe more on taxes now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, states on their website that you may prequalify for their credit card with a soft inquiry without having to receive a hard inquiry which may harm your credit score. I applied to see if I prequalified, however, when I checked the box to give them permission to view my credit report, they made a hard inquiry on my XXXX credit report and attempted to do so on my Experian credit report which was locked. When I complained against this violation of trust, they refused to remove the hard inquiry and issued a credit card to me against my wishes. I never activated the credit card, yet they put it on my credit reports! I forced them to close the credit card, but it remains on my credit reports. 

XXXX XXXX, effectively used deception and misleading information to steal my confidential identity information, place a hard inquiry on my credit report and issue a credit card to me that I did not want. This is fraud and I have filed a Police Report and an Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two closed accounts XXXX and XXXX on my credit report. I am not sure why if they are closed. The credit bureaus has said they VERIFIED the information and if so the XXXX account according to a XXXX rep was started in a state I dont even live in GEORGIA so Im not sure how it was verified as me. The XXXX account is closed and needs to be removed. I have sent off letters for VALIDATION ( XXXX XXXX info ) before and have sent more dispute letters today which should be received by THURSDAY this week. These closed accounts should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, NAVY FCU Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX + XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX. This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  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
Product: Debt collection

Contacted SCA collections on XX/XX/2021 by certified mail requesting debt validation. 

Sent second request by certified mail on XX/XX/2021 XXXX request was sent on XX/XX/2021 by certified mail. 

Company failed to properly valid debt within 30 days and is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i opened a loan for the amount of XXXX ( XXXX purchase and XXXX intrest ). I made the monthly payments on time. On XX/XX/XXXX i was informed by XXXX that affirm put a notice on my credit saying i was XXXX days late on said lone. I contacted XXXX to start a review and they found it to be true and thus not remove the delinquent notice. 

The lone was never even 1 day late let alone XXXX.
Product: Checking or savings account

I needed a replacement ATM card. I submitted the request on XX/XX/2024, The new card was issued on XX/XX/2024. I was notified it was mailed by regular mail on XX/XX/2024. The card was mailed from XXXX XXXXXXXX XXXX and had to go to XXXX XXXX As of XX/XX/2024 I had not received the card and called the bank. I asked to have a new card sent again by express mail and that I would pay for the added expense. I was told that was not possible and was referred to the digital alternative. The three places I desperately need to use my ATM card do not accept XXXX or XXXX XXXX. I need the card, or at least the number. The customer service agent elevated my issue to an escalation manager who, by the bank, was left in no position to help me. I am back to waiting for my card to show up by regular mail. I am a XXXX XXXX of the bank with a XXXX XXXX customer history. The escalation manager said mine was the most common complaint he receives. Well then, Wells Fargo, do something about it!
Product: Debt collection

Metro Rep Comm Svc Inc. is reporting a medical collection account on my credit report to all XXXX major bureaus despite the fact that I informed them upon initial contact that I was disputing the validity of this debt. They never contacted me prior to reporting this account. I discovered the account through XXXX XXXX. I tried to call Metro Rep Comm Svc Inc. but they were very difficult to get hold of. They never answer the phone. I left more than XXXX message that I was disputing the account with the original medical provider because I did not receive the services claimed. I have asked for a complete accounting of the bill but I have been ignored. I have never received a call back, any correspondence from Metro Rep Comm Svc of ANY kind yet they are reporting this on my credit. I believe that this is a violation of several laws including but not limited to Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. I also believe this may be a violation of the XXXX XXXX and the recent agreement between the bureaus and the New York XXXX as this is a medical bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent my License, police report, FTC report to XXXX. I have fraudulent accounts on my consumer report from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX and XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX has been falsely reporting Mrs. XXXX XXXX   mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXXXXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.
Product: Debt collection

This. company Interstate Credit Co appears on my credit report for {$770.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Debt collection

I contacted debt collector and advice I have no knowledge of account and its not mines. They remove from my XXXX and XXXX report I been in constant contact with XXXX they refuse to remove I need this remove immediately from my account it is not mines.
Product: Credit reporting or other personal consumer reports

discover repeatedly violates my congressional and legal right to opt out credit reporting and continues to share my private/non public and personal transactions and experiences WITHOUT my written consent to non-affialated 3rd parties
Product: Checking or savings account

I bank with bank of America and for some strange reason my funds are missing out of my account I was informed by bank of America that my account was hacked or stolen where someone been charging and removing money out of account u put complaint in and only answer I'm getting is they are closing my account my money missing and that's it, I would like to have my money and transfer to my other bank account at XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX - Reference number - XXXX Record type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX number - XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452