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

Ok so my car was stolen in XXXX. There was some kind of mix up with the people at the insurance company ( My adjuster was terminated ) So it took a while to get a new one. In the process of all this going on I continued to make the payments. The insurance company called me in XXXX and stated that since it has been so long and the car has not been recovered they were going to go ahead and settle the claim. They sent the car company, American Car Center XXXX on XX/XX/XXXX, and asked that I allow 7-10 days for mailing. I called the car company and spoke with XXXX and XXXX, who advised that with what went on with the car, and the insurance is settling that I would be responsible for whatever the deductible is that they short the check by, which i believe was like XXXX. Meanwhile I was still making payments to them, and when I called to make the payment of XXXX, I was advised that it was XXXX plus because they deducted the payments that was made based on when the police report was made. I paid it on my XXXX and XXXX card. which i included in here. I was assured that it would be closed. I then called them today to discover that their accounts have been sold to westlake portfolio. No one can tell me anything other than the account is 46 days past due and when can I pay or I will be up for repo .... this was how we got here to the new complaint. I wake up this morning and now they are on my credit report. Marking me late hanging up the phone and giving me the run around. I don't owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Product: Debt collection

They continually call after many attempts at asking them to stop calling after XXXX and before XXXX. They are rude XXXX  and horribly persistent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX  has already removed this account and equifax has not updated to be in the same accord. This info is effecting me is many ways then one.
Product: Payday loan, title loan, or personal loan

I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to experian regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per experian credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

Thank you.
Product: Credit reporting or other personal consumer reports

I had sent a notice to these to agencies about 2 months ago and have not received a response nor a solution to my problem. I had requested to be opted out of the reporting of the following informationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my nonpublic financial information to stay private so I am asking that I am opted out of reporting that information pursuant to 16 CFR 313.7 - Form of opt out notice to consumers. I have a right to privacy and I intend to keep it.
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 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, credit repair services, or other personal consumer reports

I demand that the following account be verified or removed immediately : The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report I respectfully request to be provided proof of these alleged items.
Product: Debt collection

XXXX XXXX 2017. XXXX report indicate I have an emergency bill medical via a facility that uses Commonwealth Financial as a collection agency. I have XXXX. I did not go in the hospital or emergency room for treatment. XXXX is reporting false information. This is the second false report on my credit since their breach.
Product: Credit reporting or other personal consumer reports

I am urgently address the continued presence of fraudulent items on my credit report despite my previous attempts to have them removed. Despite providing all necessary documentation and following the prescribed procedures, the fraudulent items persist, negatively impacting my creditworthiness and financial stability.

As you are aware, I previously initiated a formal dispute and provided detailed documentation to support my claim for the removal of the fraudulent items from my credit report. However, to my dismay, the fraudulent items remain unresolved, casting doubt on the accuracy and reliability of my credit report.

The continued presence of these fraudulent items undermines the integrity of my credit profile and poses a significant threat to my financial well-being. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit card

XX/XX/XXXX I rented a vacation home for XXXX  XXXX through XXXX XXXX XXXX XXXX XXXX. I was instructed by the owner to make payment through a link they provided ( XXXX  ) XX/XX/XXXX After I didn't receive a contract a receipt, I began to worry and searched for the owner 's phone number on XXXX XXXX and when I spoke with the owner he indicated this must have been a scam - that he did not know who I was or receive any money from me. 

XX/XX/XXXX I initiated a dispute with Capital One for the amount charged, {$10000.00} Apparently, someone went on the XXXX platform, created a seller account and a buyer account and acted as me as the buyer. The information XXXX has provided has a profile of me as a buyer but I never made an account and none of the information is mine. 

XX/XX/XXXX Capital One has denied my claim, siding with XXXX who has stated this is a case of Friendly Fraud, insinuating I am in collusion with the seller to fraudulently retrieve funds from Capital One. Nothing could be further from the truth. I never made an account on XXXX and have never received any goods or services from a seller or buyer on XXXX. 

XX/XX/XXXX I am continuing to argue this dispute as I am not satisfied with the result. I am now responsible for {$10000.00} and have received nothing. Not the vacation rental property I believed I was paying for and certainly not the " website design service '' XXXX has indicated I ordered.
Product: Debt collection

I was contacted by an attorney, XXXX XXXX, with a civil dispatch phone number, XXXX, regarding case XXXX on XX/XX/year>. I was notified that I am to appear in court about a lien to be placed by Bank of America for an ancient debt amount of {$10000.00} that was part of the bankruptcy and is also far beyond the statute of limitation for California. This debt is beyond XXXX XXXX XXXX. I have not received any correspondence from Bank of America or any 3rd party about this. There must be something wrong. I am very concerned, worried, and unsure of what to do next. Can you Help?
Product: Money transfer, virtual currency, or money service

I was looking to buy XXXX XXXX XXXX tickets and my wife XXXX XXXX reached out on XXXX XXXX to 2 XXXX XXXX XXXX sites. She received a few responses and the one sounded legitimate with a good XXXX page. We contacted through text and set up the exchange with us providing half the money {$370.00} through Zelle through my bank ( XXXX ). I did so and then they asked for the other half of the money before they sent the tickets. I got suspicious and then started piecing together the inconsistencies. The number they are using for me is XXXX. The name is XXXX XXXX. I am now disputing this with XXXX but they are stating Zelle is a 3rd party and it is unlikely they can help us. Please see if you can stop them from doing this to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've used this credit reporting company for years and now they claim to not have any of my information in their system. The number for customer service diverts you somewhere else. Keep kicking my information out.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me two cards and one was not paid for cents and they sent me on credit I think it was like a year and a half ago
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 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 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

Im sending a letter of complaint to experian, and demanding that the information on my report be removed or i will file for arbitration im sending this melter of complaint first as an attempt to resolve this through the Consumer Financial Protection Bureau, this letter is a complaint filed to demand experian to remove these XXXX accounts off my credit report or i will sue experian in violation of my rights under the fair credit reporting act, this letter describes in detail my complaint this is a legal document I am filing with experian in an attempt to fix this matter, or will send a my demand for arbitration if not resolved, I have filed this notice to experian in response to the identity theft that has occurred do not ignore this complaint or i will seek legal action against experian
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXXXXXX XXXX  ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state. 
Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a balance of {$110.00} on my credit report. This information is inaccurate because, I made a payment for {$110.00} on XX/XX/20 that posted to my account on XX/XX/20. However, they did not update my credit report with this information. This will bring my account to a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I wrote a letter to Wells Fargo XX/XX/XXXX regarding an inquiry on my credit report dated XX/XX/XXXX stating I has a current mortgage of {$1000.00}. I am currently in a 12 month home- buying seminar class, I was informed that I did not qualify for pre approval nor could I obtain a loan because a mortgage was still listed in my name on my credit report with all three major bureaus. This was unexpected, as I sold my home almost XXXX years ago, and the mortgage should have shown a XXXX balance. 
This error has caused substantial delays, forcing me to restart the home - buying process from the beginning. While I recommended this seminar to family and co- workers who have all since received their pre-approvals. I am now faced with renting for another year due to this issue. 
The error has also skewed my debt -to-ratio, as it falsely appears that I have an outstanding mortgage. 
The embarrassment and frustration Ive endured are immense. Ive been unable to move forward with my own homeownership plans, despite being the one who encouraged others to do so. My credit has suffered for nearly XXXX XXXX XXXX XXXXXXXX ) per your statement and records and because of this mistake, which was not due to any fault of my own. 
Given the extensive inconvenience and lasting damage to my credit, Wells Fargo offered settlement of {$270.00} that is insufficient. I am requesting a negligence settlement of {$10000.00} in compensation for the negative impact this error has had on my financial situation over the past XXXX years. 

I have spoken with XXXX different representatives at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the personal stated that if I was not in agreement with the {$270.00} that I should write a detail letter to Wells Fargo and that the Executive Representative would close out this case and give me another case number and I would be assigned to someone else to explain why I did not agree to the {$270.00} check issued and mailed after I stated I was in agreement That check was mailed certified mail back to Wells Fargo in XXXX, XXXX, XXXX where I confirmed the address with a Wells Fargo representative before mailing.I received a signature card of the delivery of the letter and check returned to Wells Fargo Certified Mail. Signed by a Wells Fargo Personnel However I asked how did Wells Fargo Executive Representative come up with those calculations and she stated that because of proprietary information Wells Fargo could not disclose nor give me a formula. 
I received a call today XX/XX/XXXX from one of the Well Fargo Executives stating Well Fargo received my request and they will not honor my request and that the {$270.00} is what they came up with and they will close out the case I stated that this case is not closed because the check was sent back. Wells Fargo stated. He would open another request to reissue the check. I was not in agreement with that settlement. I would like to file a complaint Thank you
Product: Credit card or prepaid card

In XX/XX/XXXX I was made aware that XXXX XXXX had reported XXXX separate late payments on my credit report from XXXX & XX/XX/XXXX and XX/XX/XXXX. This mistake led to me having to call the company several times over the course of 3 days from XX/XX/XXXX, up until XX/XX/XXXX, in an attempt to have them correct their error, an error which also led to my credit score reflecting an inaccurate number.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

I sent letters showing errors throughout my report on several different acounts in XX/XX/2023 it is now the middle of XXXX which is over 30 days now my crefit score is all over the place. Ive been vetti g several notifications that my score went up and then the next day down. I never recieved proof of verfication or proof of anything im not sure why this investigation is still ongoing and why my credit score keeps bouncing could you please help