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

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX.
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 accounts 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 inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to my credit report it has been well over 30 days and I haven't received any investigation results
Product: Checking or savings account

I filed my taxes through turbo tax and was approved for the refund advance. I did the same thing last year with no issue. The money was sent to my credit karma account. However this morning I woke with my account deactivated and no access to the XXXX dollars in my account. This is the same account the remainder of my return will be deposited into upon processing by the IRS.

Credit karma is unable to give me any clear information on why this occurred and refuses to reopen my account or send me my funds.
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. 

Account Name : XXXX XXXXXXXX XXXX  TX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I bought a car from XXXX XXXX. I financed it through WEST LAKE Financial. 
I received a welcome call XX/XX/XXXX, saying im late. After paying my bill with my confirmation number. XXXX XXXX takes my while Im working. Both companies give me the run around while im carless and paid my bill. 
On XX/XX/2022 XXXX XXXX car dealerships in XXXX has me refinance with XXXXXXXX XXXX XXXX  to get my car back with a 17 % or i default my westlake loan. 
Im still seeing westlake on my credit report and westlake financial told me they took it off. It is on my credit report still.
Product: Credit card or prepaid card

I was charged twice for one item. I called the telephone number on the bill on XX/XX/XXXX and was told management would contact me within 24 hours. They have never contacted me. I followed up with a letter to Synchrony Bank on XX/XX/XXXX and copied the letter to Lowes CEO. It is now XX/XX/XXXX and no one has contacted me. This credit card a has automatic pay through our bank account and they drew payment on this disputed charge on XX/XX/XXXX. They have my money and have ignored every attempt to resolve this.
Product: Student loan

I originally took out a loan for my my XXXX degree through XXXX XXXX. For reasons unknown my loan was sold to Navient, and now my interest rate is variable, and 11.5 %. I can not get any answers about how this change happened. In addition, when I have tried to work with Navient to get forbearance, they have repeatedly played games with me, made commitments they did not keep, and negatively impacted my credit.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I had disputing this account with XXXX XXXX XXXX  multiple times this is not my account I was XXXX  during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as XXXXlate payments as well as its not my account XXXX.I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Product: Credit reporting or other personal consumer reports

I have a public record of XXXX backruptcy that was never done I tryed to fix it with credit report agencys and they have not removed it I filed wrong paperwork to save my car from repossession but Ive lost car and I should not have to suffer XXXX years on my credit report for a bankruptcy filed erroneous I even talked to bankruptcy court they said they didnt report it please take this from my record it shouldnt be there my XXXX Im a XXXXXXXX XXXX and I need good credit please fix this and remove from all three credit bureaus thank you
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed Experian Report Number : XXXX XXXX  File Number : XXXX XXXX  Report Confirmation # XXXX XXXX CREDIT BUREAU Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number HLTHFRXXXXXXXXXXX Collection opened XX/XX/XXXX XXXX  XXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home
Product: Credit reporting or other personal consumer reports

I have sent XXXX previous letters to XXXX, XXXX, Equifax and XXXX, certified mail requesting that you remove inaccurate information from my file. Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 
re : XXXX XXXX amount {$130.00} As per the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
This account not only has NOT been verified and is reporting inaccurately on my consumer report. Equifax has no data for XXXX XXXX is only reporting data for XXXX and XX/XX/year> XXXX is reporting collection status for XXXX all which are inaccurate. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or deliver to me no later than 21 days before the payment due date.
Product: Debt collection

On XX/XX/XXXX, brought a large item for {$400.00} on XXXX and paid for it through PayPal from a new Seller that goes by the name XXXX. 

Since it was an expensive item, did watch it very closely. By doing so, the first 10 days, there were no activity on the tracking number provided so I email the Seller via XXXX to let them know as they did not know about it nor did they not keep track of the item themselves. They just so called shipped the item and did not track it at all like I did so they were surprise that there was no activity for the first 10 days. 

They did respond back to me and stated that they will look into it. When they did, all of a sudden, the tracking information on the item stated it was delivered when it was not not to me anyway, do not know where it went nor do not know where it was delivered to because it did not come to me. I said to myself, oh - I was swindle - scam. 

So I filed a complaint with both XXXX and PayPal ; whom I pay for the item with, that I never received the item but they went by the final tracking information stating it was deliver to my residence. I approached the carrier about this and they told me that they have not delivered anything huge to me since residing at my address of residence. 

So XXXX and PayPal decided in favor of this new Seller without any investigation and they stated since it said it was delivered, they denied my appeal. XXXX did recommend that I contact my credit card company and/or financial institution and file a dispute in which I did. 

Luckily, did receive a full refund from my Financial Institution as they grab the money back from PayPal. Now PayPal is harassing me for the {$400.00} now to pay it back.
Product: Debt collection

I recieved a letter from Weltman , Weinberg & Reis Co., LPA saying they represent a vague company called " XXXX XXXX '' to collect a debt of {$2700.00}. They advised that if I did not pay the debt to them ( Weltman , Weinberg & Reis Co., LPA ) within 10 days that they would take legal action against me and that is was in my best interest to just pay rather than have litigation disrupt my business. 

I have never heard of a company called XXXX XXXX nor do I have any outstanding debts with them. When I called the legal/collection agency on the phone number provided they asked for my account number and last 4 digits of my social/EIN and zip code XXXX I am unable to speak to an operator without providing this information. Because I didn't trust the agency I provided false numbers to try to talk to a representative but was still unable to reach anyone. I believe this is a scam to collect false debts and steal sensitive information. 

Please advise how I should proceed
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 requirments under the Electronic Frund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.
Product: Credit card

I requested a refund of {$300.00} total for charges made on the following dates : XX/XX/XXXX, XXXX XXXX XXXX Washington DC XXXX {$130.00} XX/XX/XXXX, XXXX XXXX, Washington DC XXXX {$130.00} XX/XX/XXXX, XXXX XXXX Washington DC, {$130.00} On XX/XX/XXXX XXXX Citibank advised me to speak directly to the vendor for the refund to be made. I spoke directly to the vendor and they refunded the amount as it appeared on my online credit card account. The refunds were listed as " pending ''. Two days later, they were no longer in my account. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I called Citibank to resolve the issue and each time I spoke with a representative or manager, they were unable to resolve the issue of the disappeared refunds as they said there was no evidence of them. 

I am currently receiving bills from Citbank despite the fact that they actually owe me {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 continues to violate my rights by exhibiting fraudulent hard inquiries on my credit report. I have filed an Identity theft report with the FTC and the local authorities in my city. Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax has repeatedly broken the law in this regard and refuses to address my repeated disputes regarding these fraudulent Hard Inquiries. 

XX/XX/20XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
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  MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed I have not had a update on my score for XXXX 2020. What is going on I need my score reviewed I have suffered enough.
Product: Money transfer, virtual currency, or money service

I was a victim of a fraudulent scam. Between XX/XX/year> and XX/XX/year> I contracted the services of an independent contractor for purposes of catering an event. After being charged {$450.00} for service fees to someone I thought operated a legitimate company, I realized that the individual was trying to leverage additional monies from me in order to complete the agreed upon services. After realizing the scam I contacted my banking institution as the charges were assessed to my account through both Zelle and XXXX XXXX. XXXX XXXX  refused to honor my dispute with both companies and as a result I faced monetary damages of {$450.00} plus the travel fees assessed for me to travel to the event location after being provided an estimated delivery date for supplies to the venue. This resulted in the amount of {$750.00} for travel fare. The event had to be rescheduled and an additional {$600.00} was required to pay for new supplies, venue and merchant services. This scam resulted in me losing a total of {$1400.00} because the bank refused to return my initial {$450.00} dollar loss.
Product: Prepaid card

I received a prepaid American Express gift card with a value of {$150.00}, and when trying to use it to make an online purchase, the transaction was repeatedly declined, despite documentation included with the card claiming that I can use the card to shop online. It is incredibly frustrating that I have no access to the funds on this card to use however I please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a debt from XXXX  XXXX on my credit report and I have requested verification of the debt that they have failed to provide to me and XXXX XXXX and XXXX fail to delete this from my report. They dont care I sent them a certified letter recently with return receipt just because they have ignored all of the disputes they have ignored. If they ignore this letter I will consulting an attorney for them violating my FCRA rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of several accounts on my credit report. Despite previous disputes, XXXX, XXXX, TRANSUNION failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received any detailed disclosures about the reinvestigation process or outcomes. These deficiencies constitute violations of federal law, and I demand immediate resolution. 

Disputed Accounts Accounts Reported by XXXX XXXX XXXX XXXX XXXXXXXX Account Ending in : Balance : {$1200.00} Issue : Inaccurate payment history and credit usage, unresolved despite prior disputes.

XXXX Account Ending in : Balance : {$250.00} Issue : Incorrect reporting of late payments for XX/XX/year>. 
XXXXXXXX XXXX XXXXXXXX Account Ending in : Balance : {$330.00} Issue : Overreported credit usage at 110 %, without proper investigation. 
XXXX XXXX XXXX ( XXXX ) XXXX : {$110.00} Issue : Collection account inaccurately reported, with no adequate reinvestigation. 
Accounts Reported by TransUnion XXXX XXXX XXXX XXXXXXXX Account XXXX in : Balance : {$1200.00} Issue : Payment inaccuracies unresolved despite disputes. 
XXXX Account Ending in : XXXX : {$250.00} Issue : Reported late payment details are inaccurate and unverified. 
XXXXXXXX XXXX Account Ending in : Balance : {$2600.00} Issue : Incorrect " 30 Days Past Due '' reporting, unresolved after disputes. 
XXXX XXXX : {$110.00} Issue : Collection account errors with no proper resolution. 
XXXX XXXX Account Ending in : Balance : {$29000.00} Issue : Incorrectly marked as " Charged Off as Bad Debt, '' with inaccurate payment and status history. 
FCRA Violations The following provisions of the FCRA were violated : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving my disputes.

15 U.S.C. 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy in consumer reports.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide proper disclosures regarding the reinvestigation results.

Requested Actions Reinvestigate all listed accounts and provide a detailed summary of the findings. 
Remove or correct any inaccurate or unverifiable information from my credit report. 
Provide written confirmation of changes made to my credit report within 30 days. 
Enclosures Highlighted copies of my credit reports from XXXX and TransUnion showing the disputed accounts. 
Supporting documentation, including prior dispute letters and evidence of inaccuracies. 
If this matter is not resolved within the required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX