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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think legally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Mortgage

Good morning, we're writing to you, with the hopes that you will assist us in our discussions with Webster Bank. 

We purchased the building that my father lives in in XX/XX/XXXX. This building also has restaurant in it and it has only been brought to our attention, after we spoke with Webster Bank last week, that our loan was written as a BUSINESS loan and not a mortgage. 

The instrument of security that was used for this loan is, in fact, my sister 's home. We are behind on our payments and Webster bank has informed us that they intend to pursue the publication and sale process, on our property - the sale date is scheduled for XX/XX/XXXX. 


To make matters worse, in XX/XX/XXXX we had the loan modified and were instructed by the attorney representing Webster Bank that are payments would be {$3300.00}. We made 4 payments at that amount and were contacted by XXXX XXXX and informed that that was not, in fact, our payment. She demanded that the difference be paid in one lump sum and that has brought us to this point. 

There are a number of legal issues, surrounding this loan, as you can see and we would appreciate your assistance in getting this matter resolved and getting back to good faith payment - with an actual mortgage on the property and not a business loan. 

Thank you for your assistance with this
Product: Credit card or prepaid card

I am a long-term citi card holder ( gold card ending in XXXX ) who is at the end of my rope with Citi. I have now had 6 phone calls with customer service, including one with a supervisor last night. 

I have {$7800.00} credit on my account due to XXXX XXXX refunds : 6 on my XX/XX/XXXX statement and 2 on XX/XX/XXXX. I requested a check refund on XX/XX/XXXX and was told I would receive it in 7-10 business days. I requested one again on XX/XX/XXXX via message on the app. because 2 more XXXX credits had been posted on XX/XX/XXXX. Was told two checks would be issued, one for {$5100.00} and a second for {$2500.00}.

When my statement continued to show a credit balance, I called customer service again  on XX/XX/XXXX, and was told the refund was awaiting approval and I would receive a check for the full amount of {$7800.00}. 
When no check was forthcoming, and my account was still showing the full credit, I called again last night, XX/XX/XXXX. I finally spoke to a supervisor and was told the refund had NOT YET BEEN APPROVED and the only way he can communicate with that department is via email because there is NO PHONE NUMBER. 

Meanwhile, Citi is sitting on almost {$8000.00} of MY MONEY. This is not only disgraceful, but I wonder if it is illegal.Another supervisor called tonight to say she is waiting to hear from the approval department and she has no idea of the criteria they use for approval or what the process is.
Product: Checking or savings account

They are not addressing the issue. I tried several times to use my debit card it keeps getting declined for expired even though it's says on the card expires XX/XX/2021 a full 6 weeks.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions,  993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit card or prepaid card

Years ago, I did a consumer credit transaction with Bank Of America ( credit card ). Since this point, I have received several bills in regards to this account. Bank Of America is in violation of 15 usc 1605 ( a ) as I have been charged more than the finance charge. Today I am contacting the cfpb to get this matter resolved as quickly as possible.
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 Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : 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: Consumer Loan

Hello, I have been having problems with Check N Go that have not been addressed to the correct party. Finally I am contacting CFPB to get this handled after years of struggling to remove Check N Go account off my record and credit report. I opened a Installment loan for {$3000.00} with Check N Go sometime around XXXX that had manual setups for payment, which i was always current on. Also the check was deposited into my account and the money from the check did not get spent in full so my balance had all monies in my account for any current payments. However, I unexpectedly received notification from XXXX XXXX XXXX that Check N Go cashed my full check for the full amount {$3000.00} which took out all the money from my bank account as well as disrupted scheduled bills on my account, leading to bounced checks and returned payments on my account. Eventually XXXX XXXX XXXX charged me a lot of return check fees and ending up in having to force close my account as well. When i tried to contact Check N Go at the location which i received my loan they informed me the employee who cashed my check no longer works at the store and that they could not help me. Also I was told to contact the fraud dept. for Check N Go but that dept. does not help and canceling/closing this account to show as cleared. I ended up having to pay all my bills and accounts that hit my credit report but the check n go account is still listed on my credit report also they have me on radar for bounced checks so it is hard for me to open up bank accounts. I have neither emails from Check N Go nor any phone calls regarding any missed payments because I was up to date with all payments. 
This year I contacted XXXX XXXX XXXX and had them pull up all of my account statements so I could see my available balances as well as pinpoint the exact timeframe where Check N Go cashed the held check for the full {$3000.00} that they had on file. My weekly payments where current and the money was in the bank for all payments until after they had cashed then check then my account went downhill. 

I also took the liberty of searching for others who have been affected from Check ' N GO financially by their installment loans. It seems this is not a new concept and a lot of their employees mishandle customer 's information as well as company policies in the way to conduct business with their installment loans and payments.
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 manner and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) of 1970 regulates the consumer credit reporting industry and requires that lenders and credit reporting agencies ( CRAs ) provide accurate, fair, and timely information. The FCRA also protects the privacy of personal information please read site - ( 5 U.S.C. 1681 ) .TransUnion , I am requesting a information correction on my account. As my Transunion debts amounts does not match with my XXXX. Installments section is incorrect. As most of my XXXX XXXX  student loans have been forgiven.
Product: Credit card or prepaid card

I have a charge on my credit card from Experian EXP Pay CC {$110.00} XXXX XXXX, 2020. This is not an authorized charge. It has no phone number on the charge and I do not have a statement to help contact the company. When I attempted to call a number i found from researching Experian numbers to dispute this charge, the answering service is all automated and you go around in circles starting with you must enter your 9 digit Social Security #. I called before XXXX XXXX and I refused to type my SS # so I called back at lunch with the same process. Trying to get an answer then at XXXX I finally gave in and typed my SS # then they requested my date of birth, your numbers on your street address and your zip code then it replied that wasn't enough and I had 2 choice of which neither were what I needed. XXXX and XXXX. I just need HELP contacting this company and they need to not be asking for all this personal information. I do not mind writing, emailing or calling but this company gives you the run around and does not have an easy solution to get your money back for a charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is incorrected, and its is affecting my daily life tremendously please remove these items, Ftc report was sent in aswell
Product: Credit reporting or other personal consumer reports

Please see ALL attachments of the 3 - bureaus inaccurate reporting errors attached to this complaint. 

for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear XXXX PLEASE TAKE NOTICE : I noticed the following issues with these accounts on my credit report : Account Name : XXXX XXXX  Account number : XXXX Account status is misleading : showing different information per bureau. 
Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX  XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
Account Name : US DEPT OF EDXXXX Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
XXXX XXXX. 
Account Name : Account number : XXXX Account status is misleading : showing different information per bureau. ( see attached inaccuracies ) Delete this account ASAP and send updated information that shows the account as being accurate on all three bureaus. 
I did some research about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed. 
XXXX is in violation of 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished deleting the inaccurate accounts. I hope this will be soon. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an Automotive loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Recruited to work full time with benefits for XXXX  Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX office. Eight months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through RFGI, and that means that I was actually not paid at all for any of the full time eight month work that I performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in XXXX days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters out since XXXX until now, no changes have been made, i will provide documentation below indicting the letters that i have been sending with no reply back.
Product: Debt collection

I have never received anything from this company, and I have no signed contract with them either. In accordance to law 15 USC 1692 G, this debt should be removed from all credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax as well as XXXX  with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/XXXX. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA. 
Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and immediately remove from my credit file ACCOUNTS XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXXXXXX  not mine XXXXXXXX XXXX XXXX  XXXXXXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX - XXXX - {$460.00}XX/XX/XXXXXXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX - {$0.00} XX/XX/XXXX XXXX - {$100.00} XXXX XXXX - XXXX - {$0.00} XX/XX/XXXXXXXX - {$1400.00} XXXX XXXX - XXXX - {$1800.00} XX/XX/XXXXXXXX - {$330.00} XX/XX/XXXX XX/XX/XXXX - XXXX - {$0.00} NXX/XX/XXXX XXXX XXXX {$300.00} XXXX - XXXX - {$0.00} DEPTEDXX/XX/XXXXXXXX - {$0.00} XX/XX/XXXX - XXXX - {$530.00} XX/XX/XXXX - XXXX - {$840.00} XXXX XXXX XXXX - XXXX - {$3900.00} XXXX XXXX XXXX - XXXX XXXX {$5000.00} XX/XX/XXXX- XXXX - {$620.00} XXXX - XXXX - {$0.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX- XXXX - {$1200.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress.

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.