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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was under the forbearance agreement and XXXX XXXX XXXX XXXX said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the XXXX XXXX XXXX XXXX officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

I,  XXXX   XXXX   XXXX  being of sound mind and body hereby give full authority to any third party credit repair firm as wells as any information or verbiage to the removal of a falsely reported Bankruptcy as stated in complaint #  XXXX . The verbiage included in the complaint was gathered by me and put into my own words. There is no law or any precedence that claims verbiage used by credit repair companies can not be reused either to the same or in my own words. I have filed a complaint against you with the FL Attorney General and   XXXX    for falsely reporting unverifiable information on my credit report. Please provide all verified evidence including my name, address, full social security number, date and time of verification and with whom you spoke with concerning this verification from the  XXXX   XXXX   XXXX  's office. If you can not provide me with this information, it means that it is being falsely reported an d MUST b e removed as per the F CRA. May I remind you that FCRA Section 623  violation as well as a precedent  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  Case  XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX  , Filed (  XXXX  No.  XXXX  ). We will seek the extent of damages incurred by the wronged party, me, as deemed by the courts.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account XXXX and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$940.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX sent me a secure link to pay him but it never said XXXX XXXX XXXX XXXX 

I had made a contract with XXXX XXXX XXXX XXXX XXXX XXXX and that is where I was suppose to had sent the money. {$1000.00} Neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX provided me with any services. 

I filed a dispute on XX/XX/XXXX with my bank USAA against XXXX XXXX and the {$1000.00} payment. 

I also filed a complaint to the Alabama bar association on XXXX XXXX law firm on XX/XX/XXXX. 

I called Attorney XXXX many times and got no response. 

I have contacted Usaa bank a number of times about this dispute. Usaa initially issued me a temporary credit for the funds but now has reversed the credit. I asked Usaa bank to reopen the dispute because I never had a contract with XXXX XXXX who I mistakenly sent the {$1000.00} to. XXXX XXXX XXXX nor the XXXX XXXX XXXX  provided me with any services. 

I asked the Usaa bank to take another look at the dispute today. XXXX with the executive resolution team said that she resubmitted the information and asked that I be provided with copies of whatever XXXX XXXX XXXX XXXX provided to Usaa bank. 

The issues is clear. I never made a contract with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX never rendered any services to me. 

XXXX XXXX XXXX was who the contract was with and XXXX XXXX XXXX did not provide any services to me. This is what is in dispute and the cause to have all funds reimburse. 

Usaa is refusing to take a complete look at the contract to see who was in fact under the contract and who the funds were to be paid to and what service was to be rendered. 

Regards, XXXX XXXX
Product: Debt collection

LANIER COLLECTION XXXX XXXX XXXX XXXX, GA IS REPORTING TO XXXX CREDIT PROFILE A DEBT OF {$170.00}, WHICH HAS NOT BEEN VALIDATED WITH ORIGINAL SIGNATURE OR IDENTITY, NO ACCOUNT NUMBER. I WOULD LIKE THE DEBT REMOVED FROM MY PROFILE IMMEDIATELY.
Product: Student loan

back in 2018 I was unemployed and had reached out to the company about an administrative forbearance. they sent me the paperwork to fill out and I had sent it back and they claimed they had never recieved the paperwork and in return they had reported my account as negative for 3 months. I have been calling and sending good will letters for the past 2 years and have made payments on time for the past 2 years without missing a payment and the company refuses to do anything. I have tried to speak with several account managers about this and they tell me that they can't do anything but keep calling me demanding payment in full in exchange for them to consider redacting the information they had reported. this information on my credit report is detrimental to my credit report and I have sent several letters to all three credit monitoring agencies disputing this information and the reporting agency to no avail. I am now at risk of bankruptcy due to this negative information having a substantial impact on my credit report.
Product: Debt collection

They said it was free after registration they ask me to paid and i stop didnt finish the application and next thing i see on my credit report i own them money ( kikoff )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there were fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to purchase a home, obtain personal credit and small business funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago. My wife and I had to file for XXXX  XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX  XXXX bankruptcy. 

My concern is with XXXX XXXX. We had XXXX XXXX XXXX XXXXXXXX XXXX which was overseen by XXXX XXXX. We payed our debt off to XXXXXXXX XXXX XXXXXXXX. We did not file bankruptcy on XXXX XXXX  or XXXX 's XXXX. We specifically stated to the Bankruptcy judge that we had payed the debt to XXXX XXXX  XXXX and XXXX Bank. But our Credit card privileges were suspended. 

XXXX XXXX  refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to XXXX XXXX  yet they refuse to respond to our questions.
Product: Checking or savings account

I will fight this case I promise. This is not the first time Wells Fargo has SCAMMED its customers. You guys already had a fraud case. People lose millions of dollars to Wells Fargo.
Product: Debt collection

I am DISPUTING a collectioncharge. A collection agent from Viking, LLC continued to attempt collect a debt even AFTER I Told him that this was a charge in error & I had ALL the emails fromXXXX XXXX XXXX where they took off the charge because I should have never been charged. The Viking representative stated that he did not care about the email proof or that the debt that is NOT OWED. 

I rented a car at XXXX airport on XX/XX/ 2022 and returned the car, with a full tank of gas on XXXX at the XXXX airport. I got an email receipt & saw that I was charged for gas even though I returned the car with a full tank. I called & spoke with a representative at XXXX & she stated that the charge was taken off because she could see where it was an error. She sent me an updated receipt without the {$100.00} charge. 

A couple of days later, I saw that the charge was put back on my credit card. I called XXXX back, and the agent said that one department did not communicate with another department, but the charge should have never been put back & he took the charge off & sent me another email. 

Today I received a letter from Viking Client Services , LLC stating that this matter has gone to collections for {$100.00}. When I called and spoke to a very ignorant and rude individual, he stated that he " don't care & XXXX is gon na get its money ''. I asked the Viking Rep what I needed to send him & what he needed to see to prove this debt was a charge in error & It was taken off by XXXX. He yelled at me that he did not have to see anything because all I had to do was pay the money. 

Today, I again spoke with a XXXX representative who stated she did not know why this matter went to collection & she does not know what to do. After having spent 60 mins waiting to speak to the representative that did not know what to do, she disconnected my call. 

I do not want this on my credit report & the Viking debt collector does not care that I do not owe this money. I am not paying something that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been disputing inaccurate information with XXXX, Equifax and XXXX on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX and XXXX XXXX Bankruptcy-discharged Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian continues to report unverified informatioon on my credit report for XXXX. I have disputed this incorrect information on several occasions and requested that Experian provide me proof of how they received information that this account was indeed correct. I have not received the information, yet Experian continues to report this damaging information to my personal credit profile.
Product: Debt collection

I pulled my credit report on XXXX XXXX, 2016 and found XXXX collections listed from Commonwealth Financial starting on XXXX XXXX, 2016. I had no knowledge of Commonwealth Financial was prior to XXXX XXXX, 2016. Commonwealth Financial has never contacted me via any method to inform me that they were attempting to collect a debt or debts. Commonwealth Financial did not afford me the ability to disputed their alleged claims within 30 days of notice which is a clear violation of the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809. 

I have sent a Notice of Pending Litigation letter to Commonwealth Financial seeking relief and monetary damages. The mailing date of this letter is XXXX/XXXX/2016.
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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces 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

It has come to light that you have not ceased the accounts after I provided a copy of the FTC report. As mandated by regulation 605b of the FCRA, I am sending this complaint to facilitate a lawful resolution. If you choose not to halt the following items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX
Product: Debt collection

I did not apply for this credit card and did not authorize the anyone to apply for the inquiry on my credit report either ... ... .there are multi inquiries and credit cards on my report and they need to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account was never late. XXXX is entering the wrong payment dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.
Product: Debt collection

I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX XXXX XXXX-PLEASE DELETE!!!! 
It is disheartening to see the continued presence of this fraudulent account on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Product: Debt collection

The original debt was with XXXX XXXX ( XXXX XXXX XXXX XXXX  and from there last record the debt was paid off completely for {$29.00} on XX/XX/XXXX and I asked them to close my account due to me no longer needing the credit card. Now months later they've sold the debt to Midland credit, it was charged off XXXX and sold on XX/XX/XXXX to midland credit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, XXXX, Account XXXX, in the amount of {$10000.00}. I called XXXX and spent 48 minutes discussing the fraudulent account. XXXX provided me with Reference number XXXX. On XX/XX/XXXX I mailed XXXX a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by XXXX : XXXX. I havent received a single piece of documentation. Per FCRA, what XXXX is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a claim after my information was involved in a data breach. There are accounts on my credit profile that are not mine and I have no knowledge of. The company is saying it has been verified but is not providing any proof.
Product: Student loan

I was charged a fee by Navient because they stated I was late in making one of my payments in XX/XX/2017. Being a customer with good credit, I did what most consumers do when their lender treats them unfairly, and took my business elsewhere. I refinanced with XXXX XXXX. XXXX sent the money to Navient on XX/XX/8.  Navient LOST THE MONEY, and proceeded to tell me it was my responsibility to prove that the payment happened. Only with several phone calls, tweets, and finally a three way call between XXXX and Navient was the issue finally ( I thought ) resolved. The refinance amount left some of the loan unpaid, so I paid it off. Except, guess who lost the payment! AGAIN! Now I'm submitting online documents. Seems to me this is a convenient pattern of missing payments, in hopes that I am the kind of customer that just forgets about things and doesn't follow up so that they can charge extra fees.
Product: Mortgage

Dear CFPB, We closed on a home in XXXXXXXX XXXXXXXX, in XX/XX/year>. At that time, we paid a ridiculously high appraisal fee of {$770.00}, which was paid through our lender, GMCC. We called and found that the average cost for an appraisal in XXXXXXXX XXXXXXXX, according to local appraisers is {$450.00} ( top end ). However, after paying {$770.00}, our lender then sent us another bill for {$320.00}, claiming that the appraiser would not release the report because he had " driven from another city '' and it took extra time. This was not true. I have all communications, as well as the appraisal that showed the appraiser was from the city of XXXX! The loan officer then back-tracked and told us he didn't know why we were charged {$1100.00} for an appraisal but he would try to get the money back or refund us in some way. This did not happen. In addition, there were other issues, but this was the most blatantly false and flagrant abuse of power in the mortgage industry. There should be transparency and truth. Please follow-up with me for emails and documentation. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} - Paid, was past due 90 days/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} - Pays account as agreed/CLOSED - XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX