23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX hired attorney Gordon & Wong Law group who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.
Product: Debt collection

I recently contacted this company and they said I was not in there system. If Im not in the system how could they be on my credit report
Product: Mortgage

We have completed refinancing with Ethos Lending and made our first mortgage payment ( {$3000.00} ) to Ethos Lending on XXXX/XXXX/2016, prior to the due date on XXXX/XXXX/2016. After making our first payment on XXXX/XXXX/2016, we received a letter saying the loan has been transferred to a new lender, XXXX XXXX XXXX, and we should make the payment directly to XXXX XXXX XXXX for the mortgage payment that is due on XXXX/XXXX/2016. However, we already made the payment to Ethos Lending on XXXX/XXXX/2016. Obviously, the new owner of our loan failed to notify us within 30 days of the effective date of transfer. Between XXXX/XXXX/2016 and today XXXX/XXXX/2016, XXXX XXXX XXXX keeps calling me via my personal phone and work phone and asks for payment many times, despite I told them repeatedly that I already made the payment to Ethos Lending on XXXX/XXXX/2016. Yet, Ethos Lending keeps delaying my payment to XXXX XXXX XXXX, despite Ethos Lending previously agreed in its e-mail to forward my payment prior to XXXX/XXXX/2016. XXXX XXXX XXXX continues to make harassing phone calls and severely bothers my daily lives. On XXXX/XXXX/2016, I arranged a conference call between myself, XXXX XXXX XXXX, and Ethos Lending. During the phone conference, XXXX XXXX agreed to forward the payment by XXXX/XXXX/2016, and XXXX XXXX XXXX agreed not to make harassing phone calls to me. However, after the conference call, I continue to receive phone calls from XXXX XXXX XXXX about the late payment. Those phone calls stressed me out. XXXX XXXX XXXX threatens me about how my late payment will affect my credit, and they told me I should keep pushing Ethos Lending to forward the payment. 

Beginning XXXX/XXXX/2016, my loan will once again transfer from XXXX XXXX XXXX to XXXX XXXX. My initial payment of {$3000.00} does not reflect on XXXX XXXX statement. XXXX XXXX XXXX continues to call me about the late payment. Ethos Lending does not pick up or return my calls. What can I do? Please help.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$870.00}
Product: Mortgage

Entered and was approved for a 12 month repayment plan. Today plan was canceled with no explanation or notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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: 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 ther platform, leaving my account vulerable an unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvience and financial loss and I seek appropriate redressfor these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus reporting date Opened XX/XX/2017 amount {$2100.00} i sent dispute letters several times
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/22 telling them. 
This Letter is a formal complaint that you are reporting inaccurate and incomplete credit. 
Please, I request that you delete all the names and addresses, jobs and phone numbers that I have written in this letter because I do not know these names by mistake and have never lived at these addresses and have not worked at this job. in that year and I do not know these phone numbers, by law everything that is not mine and unknown and errors must be removed from my credit report, please, therefore, it can be fraudulent and they were not all eliminated in their entirety here I tell you the ones that were not eliminated. 
Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX
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 Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports 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

Account has been satisfied and the creditor is going to remove the account from my credit. Due to time, the creditor said that they have no control over how long itll take the bureaus to remove the debt. The creditor sent me the deletion letter, but Im in the midst of buying a house and need this deleted from my account asap, not up to 90 days later. 

Please remove the attached account from my credit immediately
Product: Credit card or prepaid card

Just received the cards and tried to follow the Bank of America app to activate the card. Instead Im met with a message saying there has been suspicious activity on the account. I just got the card! I have called several times and even tried using other ways to activate the card. Im confused how a card I just got, a brand new account has suspicious activity on the account. I can not get through to talk to the company. I sat on hold for hours and still havent spoken to someone.
Product: Credit card or prepaid card

In XXXX of XXXX, I opened an Apple card through Goldman Sachs to purchase apple products and receive O % interest. 
I made payments on XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$50.00} ). I was charged interest {$5.00} on XXXX. 
I then made payments on XX/XX/XXXX ( {$50.00} ) and XX/XX/XXXX ( {$50.00} ). I was charged interest {$4.00} on XX/XX/XXXX. 
I made a payment on XX/XX/XXXX ( {$50.00} ). 
On XX/XX/XXXX I called Apple to dispute the interest charged. The representative performed a balance adjustment of {$4.00} and {$5.00}. Then she did a balance adjustment of {$640.00}. 
I called Apple ( Goldman Sachs ) the next month and then discovered the representative set up an installment loan which does not show on my credit report. I paid off the remaining credit card balance of {$330.00} on XX/XX/XXXX, and now I have a credit of {$230.00} on the card. The representatives have been telling me that they can not payoff this balance immediately but that the credit of {$230.00} will be used to pay off the installment loan and that the payments will come out monthly. It would take about 4 months to pay off. As of XX/XX/XXXX, no payments have come out from this balance. I have requested to have the entire loan paid off and closed, but they are not allowing me to do that. They have stated they can not close out the loan. I want to be able to close the loan immediately.
Product: Credit reporting or other personal consumer reports

Every dispute I file isnt being shown after receiving results completed in results file XXXX XXXX was disputed for reporting passed allotted time and shows false information of payment being received in XXXX and no payments have been made to them in nearly 10yrs this repossesion should be removed from creidit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts after attempts to get midland funding and XXXX XXXX XXXX off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.
Product: Debt collection

I received a notification from my bank advising there was a debt collection due. I contacted XXXX XXXX as they were addressed on the notice. I spoke with XXXX XXXX XXXX from XXXX  True Accord who advised this was a collection from XXXX Texas and is indeed a case of identity theft as I have been residing in any other state during the time of this case XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

It shows there was an overdue charge from XXXX XXXXXXXX XXXX for an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx for the amount of {$490.00}. 

At this time I have filed a police report with my township and am pending a copy of the report. I am also in the process of contacting the 3 credit bureaus to file a freeze on my account.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK Account # XXXX
Product: Vehicle loan or lease

Notice of Dispute I am writing to file a formal complaint against WELLS FARGO AUTO for their continuous harassment of me regarding a complaint I filed with the company. I believe that the company has violated several laws, including the FDCPA, the FCRA, and the Graham Leach Bailey act. Furthermore, when I asked how they were protecting my privacy, they continued to violate my rights. 
Despite my attempts to resolve this matter, WELLS FARGO AUTO has been continuously harassing me, which is a clear violation of the FDCPA. Additionally, the company has failed to properly address my concerns about my privacy, which is a violation of the FCRA. Moreover, WELLS FARGO AUTO has not responded to my affidavit, with a affidavit sign under the penalty of perjury, which is a violation of the Graham Leach Bailey act. 
I am deeply concerned about the impact this is having on my life. The harassment has caused significant hardship for me, including damaging my credit, reputation, and overall financial well-being. I would like to be compensated for the difficulties and suffering that I have endured. IM SO TIRED OF HARASSMENT & VIOLATIONS!!! 
Therefore, I urge the CFPB to conduct a thorough investigation into this matter and take appropriate action against WELLS FARGO AUTO. I demand that the company adhere to all laws and regulations and respect my rights and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage account with XXXX XXXX that was removed in error by Equifax and XXXX. I would like for this account to be added to my credit report.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to you today to request that you remove the disputed fraudulent accounts and information completely from my Credit File. I sent a letter on XX/XX/XXXX, to remove personal information, address, accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including these items once again. Please have the following items removed as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read and understand my rioghts under the FCRA section 605b. As of now, I request nothing but the immediate removal of the items in question.
Product: Debt collection

In 2022 I found out my cousin wasn't paying on this vehicle. So I went ahead and paid the 3mo owe however its been 1yr I've been paying on it. There saying the vehicle was repo but it never has been they have it as a Charge off on my cridet report when I ask for my payment history it doesn't show on my credit at all its showing I have negative payments but I don't. I've ask them to help me out so I can trade in the vehicle the dealership has try to help me and nothing is happening I need help
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with WAKEFIELD & ASSOCIATES plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$440.00}
Product: Credit reporting or other personal consumer reports

XXXX continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/year> ) ( correct date : XX/XX/year> ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from my legal name and in fact XXXX  claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the US Bankruptcy Courts who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

I will upload copies of the letter from the public records Court officer stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and 3rd inaccuracy the reference # on XXXX  is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the times XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To : XXXX Equifax XXXX Subject : Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to address serious inaccuracies in my credit report related to the XXXX XXXX  account. Your failure to maintain accurate records is a violation of the Fair Credit Reporting Act ( FCRA ), and I demand the immediate removal of this account from my credit reports. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX ( last four digits ) Discrepancies : Date Opened : XXXX : XX/XX/XXXX XXXX & Equifax : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Number of Months ( Terms ) : XXXX & XXXX : 48 months Equifax : 0 months Inaccuracy : Violates FCRA 602 ( a ). 

Last Reported Date : XXXX & XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Inaccuracy : Violates FCRA 609 ( e ). 

Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Payment History : Equifax : Gaps in payment history violate FCRA 607 ( b ). 

Demand for Action : I expect the immediate removal of the XXXX XXXX  account from my credit reports. Attached is a copy of my credit report, highlighting these discrepancies. 

If these issues are not resolved promptly, I will consider legal action against all three bureaus, seeking {$1000.00} per violation of the FCRA. The case XXXX XXXX XXXX, XXXX serves as a precedent for my claims. 

I hope for a swift resolution to this matter. Please confirm the removal within 14 days. Failure to comply will leave me no choice but to escalate this issue. 

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

I called XXXX/Experian to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing XXXX/Experian still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending XXXX/Experian negative updates everyday even though I closed my XXXX account. I advised XXXX/Experian that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.
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. 

XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX I was charged 3 different times all totalling to the amount of {$88.00} from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and confused on how I was charged these considering my wallet was left in my charge as well as I was working all night and didnt purchase anything. I submitted a claim about these charges that were not authorized. Until today XX/XX/year> was notified that my claim was denied. My bank is Chase bank and Im very disappointed in this outcome which Im going to continue fight because {$88.00} is a lot of money lost to me and its unfair that Im having to suffer and pay this when they were not from me. Nor are they explaining to me what I can do to fix this.