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

This is a violation of U.S. code 1681i ( 5 ) Removal In accurate /invalidated credit. please remove immediately. 

I have submitted dispute for the inaccurate information on my Equifax report. The account are showing open when creditor has closed and place in collections. Inaccurate balance.
Product: Credit card

I am filing a complaint against Bank of America credit card which I used to pay for services to XXXX SEWER SERVICES. The vendor provided inadequate service, and despite repeated calls to the vendor I could not get help with the work they did in my bathroom. On XXXX, the said vendor, XXXX, worked on my toilet flush the was not working, but the problem was not corrected. XXXX sent over a unqualified person to work on my toilet. He could not fix the problem and had to call in support to help him replace a simple flush valve. Not only did this operation take two hours, but the problem was not solved, now the toilet began to leak. I called XXXX several times but I was not helped. I therefore had to get an estimate from another vendor, XXXX, who not only fixed my problem, but I paid almost a XXXX of the cost XXXX charged me. When I reported the problem to Bank of America, they wanted me to produce evidence of the defect. I sent hem a copy of the estimate given to me by XXXX XXXX, but Bank Of America did not help. I am writing to have my credit charges reversed. 
Thank you.
Product: Credit card

Discover Card opened an account in XXXX, and XXXX both applications were submitted fraudulently and Discover never sent a card nor statement for either account. I did attempt to resolve this with Discover as they show these accounts as charged off discharged in bankruptcy. I did not apply for either account, Discover did not verify my information before opening the account. The address doesnt match my address. The phone number doesnt match my number, the email doesnt match my email. I dont know what the username or password was or is, I never received a single card or statement and I never signed any applications. Yet I had to file bankruptcy because of the identity theft. I have called to deal with this several times and they told me they would open a case yet keep telling XXXX the account is valid. Without providing any proof of such account. Who did they send the card to? Who authorized discover to opened the credit cards? It wasnt me. Discover did not verify my information and I did not benefit from either account or service. These are true application fraud even the employer doesnt match mine.
Product: Credit card

Ollo switched to Ally and I have not been able to make a payment. They locked my wifes account and mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports and see that XXXX XXXX is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from XXXX XXXX. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.
Product: Credit reporting or other personal consumer reports

Sometime in XXXX XXXX I discovered several hard credit inquiries on my Transunion credit report which i did not authorized. I called Transunion to remove this unrecognized and unauthorized inquiries ; instead of Transunion removing these inqiries, I received letters from several companies stating that it's XXXX XXXX that did the hard inquiries on their platforms. 

I didn't give XXXX permission to run my credit through several companies, and I was not informed but discovered this afterward. That's a violation of privacy of information and XXXX action is adversely affecting my happiness, wellbeing, productivity, progress and profit.

Transunion should remove all these stated hard credit inquiries from my Credit report. below are the 8 companies that have hard credit inquiries on my credit report. 

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: Debt collection

My family paid off my student loans, which totaled right around XXXX between my grandfather and my mother. This was a significantly small amount of the total around {$3500.00} if memory serves. A few months go by and all the sudden Im getting collection calls from this company about the same loan that is paid off. At this point I was much younger and had no clue what to do, the loan they are calling about was originated the same day this other one was paid off supposedly. Although I had never taken out another loan. I have tried for years to get them to do anything other than put me on hold for extremely long stretches of time, to no avail. Im stuck this loan was paid in full years ago!
Product: Mortgage

My homeowners insurance got canceled when they had received notice that they needed to pay more. They paid the year before amount a d still owed XXXX they failed to pay it I have the notices copies with me. So they canceled my insurance I was never called or notified until a later date. Well now 2 months later they finally got the same policy rewritten but now it is XXXX more than it would of been if they would of paid it in the first place. According to laws they have to pay that difference themselves due to thier mistake. If this doesn't solve anything I will take the next step of a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from XXXX XXXX XXXX, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor XXXX  XXXX nor American from XXXX. I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX i Finance finance vehicle last year and I was involved in accident and my XXXX was totaled out three insurance and paid now when I apply for car loan is show up that I never even had a car loan but they also said its weird its like there giving me rates as first time car buyer but also like I still have a car Im paying on so I get a crazy high down payment and the person at XXXX couldnt understand why and told me to reach out to yous I know credit is everything In this world and I would like to fix this issue ty and they never reported any of my payments at all
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : I have sent several disputes to Equifax and they have gone ignored dates i sent disputes : XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response, XXXX/XXXX/2016 no response. To date they have not responded in any way. 

1. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Please provide me the name and address of the medical provider the date and type of service along with information detailing to whom the service was provided as any account I might have had would be obsolete. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 3. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 
4. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

7. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
11. The status is incorrect for the following account ONLINE INFORMATION S Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The infomation is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

14. This is a duplicate account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Further more, 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

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT. 

ACCORDING TO 15 U.S.C 1692c ; YOU HAVE VIOLATED MY RIGHT BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THIS COLLECTION ACCOUNT FROM MY CREDI REPORT. 


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 XXXX XXXX
Product: Mortgage

As of today, XX/XX/XXXX, I received a hand delivered letter from the company claiming that that have not spoken to me. However, the last call I received was on XX/XX/XXXX at XXXX XXXX I have received multiple Loss Mitigation Packages with " XXXX XXXX XXXX and address listed on the XXXX. Please see attached screenshots of the illegal occurrences that are happening to me and my loan. 


Please not that I am aware that the company will flag this complaint as another duplicate and not research this at all. Using for documentation purposes at this point.
Product: Checking or savings account

US BANK I'VE HAD 3 ACCOUNTS ALL ENDING IN ACCOUNTS WERE COMPERMIZED ... MONEY DIDSAPPEATED... 

UNEXPECTLY AND UNKOWING OF CREDIT CARDS MONEY WIRES AND. MONEY GONE IN FRONT OF MY EYES..I KNOW I DON'T HAVE GOOD CREDIT BUT US BANK HAS CREDIT CARDS AND LOANS AND BUYING CARS ETC. I NEVER EVERY KNEW I HAD .. AS I SEE WHERE MY SSI CHECKS DEPOSITED INTO MY ACCOUNT DISSAPPEARED SEE FAST ARE I GOT IT... SO.. BESIDES MY 3 COMPERMIZED ACCOUNTS TOTALING {$45000.00}. Closed my account for no reason Unexpected credit card and others a total of {$19000.00}.

Ya so I'm hurting.. And they don't care ....!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX My only telephone number is : XXXX Please remove all other names from my report, as the XXXX stated above is my only name. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report.
Product: Credit card

I have a XXXX card that was enrolled, without my consent, into a debt protection program. This resulted in monthly fees that went unnoticed due to not being aware of the enrollment ; the charges date back to 2008 when HSBC owned my XXXX ( it is Citibank 's now ). My total balance due hardly declined due to the monthly charges of this protection. Now I owe almost XXXX my maximum credit limit because my deferred interest has reached its deadline and has now being applied to the total balance. I would have much less balance due and interest accrued if it was not for the monthly fee of an unauthorized enrollment in debt protection. If I did not enroll in a debt protection, it is because I did not need it.
Product: Credit card or prepaid card

I was reviewing credit card statements and noticed that a XXXX   charge of {$19.00} has been charged every month starting on XX/XX/18 to current. This is a service that I never signed up for!
Product: Credit reporting, credit repair services, or other personal consumer reports

Deciding that I needed to build credit, I purchased a truck for my company in XX/XX/XXXX. It was financed in my name. 
After putting $ XXXX down, I was approved for financing the balance over the next few years. 
I was assured this was going to be reported to all 3 credit burrows. 
The financing company is Ford Motor Company Finance. 
I spoke to Ford finance on Friday XX/XX/XXXX ( last Friday ) and confirmed that they are sending the information for all of my payments to the credit borrows. 
In trying to purchase and finance a home, I need to have this sorted to why the loan is not appearing on my credit. 
I have made all payments in full and on time. 
Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help I keep getting in accurate reports from XXXX XXXX XXXX and need help clearing my credit history reports hard and soft because there is a lot that is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Midland Funding LLC is  attempting to collect debts for a closed  XXXX   XXXX . I wrot e Midland Funding LLC    XXXX     requesting the date the original accounts with   XXXX   XXXX   became delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  Midland Funding LLC is a ttempting to reage the debt which is illegal. According to my state of residency this debt is beyond the  three year s statue of limitations.   According to my   XXXX    File, o  ne  account was reported delinquent by   XXXX   XXXX   on  XXXX  ; the other   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I entered into a residential Apartment Lease Contract with XXXX XXXX XXXX XXXX, XXXX, a/k/a XXXX XXXX XXXX  ( XXXX XXXX XXXX ) ( the " Lease Agreement '' ). 

Paragraph 8 " Insurance '' of the Lease Agreement states in part, " We [ X ] do not require you to obtain your own renter 's insurance in order to protect you and your household and your guests or invitees from any losses to personal property and/or to personal injury proximately caused by any occurrences or incidents ... '' Paragraph 8 does require the " purchase ( of ) personal liability insurance '' on behalf of the Owner. 

A separate Lease Addendum specifies that personal liability insurance in the amount of {$100000.00} is required under the Lease Agreement and grants permission the Owner 's vendor to monitor compliance with the personal liability insurance requirement. 

On XX/XX/2022, I forwarded my Evidence of Insurance for renter 's insurance with XXXX to Owner 's agent - " XXXX '' - including proof of the {$100000.00} Personal Liability coverage and the receipt indicating the the annual premium was paid in full. ( see attached ). 

On XX/XX/2022, I received a response claiming that my renter 's insurance was " not verified '' because the policy did not reference a third party vendor, " Safe Rent, '' as an Additional Interested Party on my policy ( see attached ). 

I responded that same day stating that " Safe Rent '' is not named anywhere in the Lease Agreement and requested verification of their claims regarding my renter 's insurance policy. ( see attached ) On XX/XX/2022, I received the attached email from " Safe Rent Solutions '' stating that I would be charged a {$50.00} " non-compliance fee '' for not purchasing an insurance policy through Safe Rent or adding Safe Rent to my XXXX renter 's policy. 

I have revoked all permission for " Safe Rent '' to contact me. I have complied with all terms of the Lease Agreement, including furnishing proof of Personal Liability Coverage through XXXX with the annual premium paid through XXXX XXXX do not believe the Lease Agreement requires me to add a Credit Reporting Agency to my policy of insurance.