23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.

Also 15 U.S.C 1681 section 604 A Section 2. states, a consumer reporting agency can not furnish an account without my written instructions. 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights
Product: Debt collection

This company MRS BPO , LLC claims that I owe them {$640.00}. 
I have no knowledge of this company. 

XXXX XXXX was paid directly from my XXXX account. 
We further disputed the claim from XXXX XXXX. 

We switched our phone service to XXXX - and they paid the cancellation bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several certified disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with XXXX requesting validation of lawful right to collect on this alleged debt .... 

Thus far, the collection company has forward a bill statement and an attempt to collect a debt letter.
Product: Debt collection

Amex put me on a payment plan using ACH withdrawal from my checking account for {$230.00} a month and they have already taken out XXXX 's payment. This morning I got a call from their collections department saying they have no record of that payment plant and that I owed them approx {$2400.00} immediately. The conversation became heated and resulted with me hanging up the phone after they continued to state they had no idea what I was talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a XXXX it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors
Product: Credit card

Throughout, I've maintained timely payments on this account, ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that I recently identified on my credit report. Upon review, I found several inquiries for which the creditors listed have failed to provide verifiable proof of my authorization. They have not produced any written authorization, permissible purpose, or evidence of initiation by me, either verbal or written.

Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reports may only be accessed under specific circumstances with a legitimate business need in connection with a transaction initiated by the consumer. Furthermore, under Section 609 ( a ) ( 1 ) ( A ), federal law requires you to verify these inquiries by providing physical evidence, such as the original signed consumer contract.

Additionally, Section 611 ( a ) of the FCRA mandates that inaccurate or unverifiable information must be promptly deleted following a reinvestigation. I demand that these inquiries be deleted immediately, as they can not be verified and negatively affect my ability to obtain credit.

The following unauthorized inquiries must be verified or removed without delay XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/year>. 
XXXX XXXX  Inquired on XX/XX/year>. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/year>. 
XXXX XXXX  Inquired on XX/XX/year>. 
FTC Report Number : XXXX,
Product: Money transfer, virtual currency, or money service

I have a PayPal account that I have used for a while. I have actually you use PayPal for over five years though the account im talking about was a new one. 
I had a guy I was dating who will send me money 2 times a week, even 3 times a week sometimes. Well when I didnt want to take our relationship to the next level we split up and he contacted the credit card company and said that I am money he sent me was unauthorized. Further more, He says he was supposed to get goods from me that he never got, which is why he requested his money back. But there were never any goods involved, none whatsoever, EVER! We dated for about six months, maybe a little longer and he sent me money throughout the entire Relationship. Not to mention he reported this months after the transactions took place. I have another account where he sent me money more to as well over the months we were together. So how would only five transactions out of 30 be an issue but the rest not be? So dont understand how he is getting away with this. They sided with him without even talking to me. So dont understand how he is getting away with this and they sided with him without even contacting me about it directly. I just got an email saying there were an open cases and then emails saying The cases were closed. This is awful that someone can fraudulently report something like this and its not even get looked into. My account is almost {$1000.00} in the negative now and I dont know what else to do. I just know that is not right and should be **illegal** in the least. Its just disappointing how they can take advantage of the credit card companies like that. Not to mention how bad it is messed my account up. These are the transactions on my PayPal account that he claimed were unauthorized. 
I explained this in emails but never received anything back. Then finally receive something back today and they said that his credit card company opened the case on me and that there was nothing they can do to override them but when I talk to them they said that PayPal would act as my lawyer and handle it. So this is all messed up needless to say. I dont even know who his credit card company is so how would I even go about handling it with them? 

XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$300.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$200.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$100.00} USD Unauthorized transactionXXXX XXXX, 2020 XXXX {$150.00} USD Unauthorized transactionXXXX XXXX, 2020
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze with squid ax 18 months ago. I tried to do a temporary lift this summer and was locked out of the report. I faxed info requested info - DOB, last five years residence, SSN, pic of drivers license ( have transmittal sheet proof it was received ). Called Equifax a couple weeks later sand agent said nothing in system that they received it. So two weeks later ( a month total since my fax was sent ) I sent a letter with copy of fax, proof of transmittal and all info from the fax snd mailed certified to equifax. Its been three weeks since I mailed that. 

They received it a week after I sent it. The letter included request to allow me access to my credit file to to freeze/unfreezes or explain why the are refusing. 

I tried getting into my equifax today XXXX Sunday XX/XX/2020 ). I am still getting the screen that says there is an issue and to call them M-Fri.
Product: Money transfer, virtual currency, or money service

Someone Has Been Using My Cash App To The Point I Got Kicked Out Of Cash App And Can No Longer Have One Because Of Fraud
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to investigate and address inaccuracies on my credit report despite my efforts to dispute them. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to TransUnion, requesting an investigation into the inaccurate items on my credit report. Additionally, I provided documentation to dispute incorrect personal information listed on my credit report. 

I included a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

Despite providing all necessary documentation and following the proper dispute procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion refused to conduct the investigation. This refusal has left me in a precarious financial situation, as the inaccuracies on my credit report continue to impact my ability to access credit and other financial services.

I received a response from TransUnion dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I demand that TransUnion immediately conduct a thorough investigation into the inaccuracies on my credit report and take the necessary steps to correct them. Furthermore, I expect TransUnion to uphold its obligation to verify my personal information accurately and update it accordingly.
Product: Credit reporting or other personal consumer reports

XXXX has a few accounts on my report that are incorrect that I have tried to have corrected because of several data breaches I have letters for and won't remove the information. 
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 XXXXXXXX closed account
Product: Mortgage

Nationstar Mortgage continuously applies my payments toward the principal of the loan against my payment instructions. I try to stay one month ahead of my mortgage and each month I make a payment towards the upcoming month. I called Nationstar on XXXX/XXXX/16 to advise them the company keep misapplying my payments. I was assured that the payments would be corrected in 5 days. Roughly 20 days later, the payments were not corrected. I called again on XXXX/XXXX/16 and was assured my payment would be updated correctly. In addition, Nationstar billed me a higher monthly payment. When I made that payment, I was told I needed to pay {$73.00} more if I wanted to have my account reflected to the correct payment date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN,XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE, XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX  XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/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

I have used FICO, XXXX, and Transunion Monitoring Services, and the monitoring notifications does not match my actual report on all of the outlets. It's not even close. The notifications tell me that I have multiple collections and delinquency but on my actual report there is no collections or delinquencies. There is something wrong with the communication between Transunion and the monitoring system. Other people have said that it could possibly be a breach or a mixed file. There is someone who has the same name as me in California but she has a middle name, and I do not. I have recieved calls from the Sheriffs department and from Collection agencies that were looking for her. The only thing that the monitoring has in common is it is information being communicated from Transunion to these other monitoring outlets. I've called transunion multiple times, since the beginning of 2018, but no one is able to help me with the incorrect communication of information. They keep telling my credit report is fine, which I already know, but they dont understand that they are sending out incorrect notifications. The notifications in the monitoring systems just dont match what is on my report. For a while, everytime I saw another collections notifcation, I freaked out and ended up purchasing a report to make sure I didnt have a negative credit status. It's just so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never MY ACCOUNT. 

My attorney wanted me to file a dispute and add this PDF so there was a record so that we can get equifax in court here
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. specifically in light of the recent CFPB LAWSUIT significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Teporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving in accurate unverifiable counts, unresolved the Consumer Financial Protection Bureau ( CFPB ) has recently found a lawsuit against experience, alleging somatic issues, such as failing to forward customer provided evidence in Furnisher, excepting unreliable responses, and failing to adequately notify customers of dispute outcomes these failures align with my experience where experience has neither corrected nor removed dispute items. Despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate correction action to remove or amend the dispute accounts as experience in action, violates federal law and my rights as a customer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/23 I received a letter from United Wholesale Mortgage ( UWM ) stating that We have provided materially false information in the Uniform residential loan application and are therefore in default of the security instrument. you failed to disclose a debt opened prior to your completion and execution of the loan. 

The debt they are referring to has already been paid off. 

UWM is pressuring us to refinance or face Foreclosure. With the rates increasing, its making it impossible for us to qualify again for a loan. The closing costs are too high. We can only afford the current mortgage payment we have now. 

UWM called us and threaten us that we committed fraud, and if we don't refinance we can face 1 Million in fines and up to 30 years in federal prison.
Product: Debt collection

Each of these companies I have contacted to have them validate the debts that are said to be owed by me. I have received nothing at all. I have sent an Affidavit of Truth certified mail to Equifax along with all companies listed in the identity report filed w/ the Federal Trade Commission XXXX The companies listed in the identity theft report have ruined my reputation pursuant to XXXX XXXX XXXX ( XXXX ), by furnishing these negative items on my consumer report. Power of Attorney fraud has been committed by each corporation named in the report do to alteration of my name from " XXXX XXXX '' to " XXXX XXXX ''. This entity/name was attached to me without full disclosure or a meeting of the minds.
Product: Credit card or prepaid card

I opened my account with Capital One in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my Capital One account had been closed. I immediately called Capital One attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but Capital One is denying to accept the payment even before the actual billing cycle ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax all are treating XXXX hard inquiries as XXXX hard inquiries when they were within 45 days of each other, and were ALL related to shopping rates for a single mortgage refinance. Two were XXXX and one was XXXX. XXXX XXXX, 2016 and XXXX XXXX, 2016 for XXXX and XXXX XXXX, 2016 for XXXX. These are supposed to be treated as one inquiry.
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: Checking or savings account

Someone is opening debt/checking accounts in my name. I have spoken to Bank of America several times to have them close this fraudulent account and to never let an account be opened again in my name. This issue is NOT resolved and someone has all of my information and could take this serious problem further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$2.00}, XXXX XXXX  XXXX Balance XXXX {$4.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$4.00}, XXXX