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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing regarding my credit report which contains some inaccurate information. I have found several negative items on my report that I believe are damaging my credit score unfairly. I would like to request that you investigate these items and remove them from my credit report as soon as possible. 

Firstly, I have an account with XXXX XXXXXXXX ( Account Number : XXXX ) that I believe has never been paid late. Your reporting of this account is completely inaccurate, and I believe it is having a negative impact on my credit score. Therefore, I kindly request that you update this account and delete the inaccurate information immediately. 

Secondly, there is an account listed under XXXXDEPT OF ED ( Account Number : XXXX ) that I am unsure of. I would appreciate it if you could clarify this account 's name and number to me, or remove it from my credit report altogether. 

Thirdly, there is an account listed under XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) that I can not recognize. I kindly request that you investigate this account and make sure that it belongs to me. If it does not belong to me, please remove it from my credit report. 

Additionally, I would like to bring your attention to several inquiries that have reached the statute of limitations. The inquiries listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX were made on XX/XX/XXXX. Since the statute of limitations for inquiries is exceeded, I request that you remove these inquiries from my credit report. 

I appreciate your prompt attention to this matter, and I would be grateful if you could send me a copy of the updated credit report once these items have been removed. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Debt collection

See Attachments They are in violation of 15 U.S. Code 1692d
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe XX/XX/XXXX because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

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

problems on my credit report with equifax is that i have open accounts with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX All my accounts and in good standing but not being reported to equifax or they have not updated the information. Before i put fraud alert on my report my open account with XXXX XXXX  reported but since after it now does not report to them. i have no problems with XXXX or XXXX reporting information the only problem is with equifax. This information should be reported because they are all in good standing!
Product: Debt collection

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized 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: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX NA ( Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX XXXX ( Finance ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX ( Hotel and travel ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXX ( Bank ) Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX XXXX   ( Finance ) Made on : XX/XX/XXXX Made with : Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.OnXX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXXXX/XX/XXXXand last used/paid off in XX/XX/XXXXXX/XX/XXXXMy account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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 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 redres : for these violations.
Product: Credit reporting or other personal consumer reports

Dispute of Credit Report Inaccuracy Subject : Section 1681e ( b ) Failure to Maintain Accurate Information Details of disputed items : XXXX XXXX XXXX XXXXXXXX. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. I am writing to formally dispute an item on my credit report that I believe to be inaccurate or incomplete. Under Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to ensure that your credit reports are accurate and complete. After reviewing my credit report, I have identified the following issue that I believe violates these provisions. Please investigate this issue and remove or correct the inaccurate information as per FCRA guidelines. I request that you provide me with an updated copy of my credit report reflecting the corrected information once your investigation is complete. In accordance with the FCRA, you are required to investigate and resolve this dispute within 30 days of receiving this letter. Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute.
Product: Credit reporting or other personal consumer reports

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Product: Debt or credit management

Act 15 USC 5 1632-Information required by this subchapter shall be disclosed clearly and conspicuously, in accordance with regulations of the Bureau.

for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, it any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore.

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed.

Also as you can see in the picture below there are multiple errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated YOU HAVE A LOT OF INCONSISTENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX on, XX/XX/2022 has violated my rights. The dispute been on my credit since XX/XX/2022. 15 U.S.C 1681 section 602 8 states that I have full rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misattribution : addresses should not be associated with me
Product: Debt collection

When this collection agency first contacted me ( XX/XX/XXXX ) about an alleged {$180.00} debt from XXXX, I immediately sent a debt validation request ( XX/XX/XXXX ), requesting bills, contract, etc. They did NOT send me any of the requested information, but they did stop calling and writing me for exactly 1-year. Now, *EXACTLY* ONE-YEAR later to the day ( XX/XX/XXXX ), they mailed me another letter, and are calling me again ( XXXX times a day ). This is without providing any of the validation requested in XX/XX/XXXX. What is more disturbing is that they changed their name from XXXX XXXX to Diversified Adjustment Service and changed my account number, presumably to wrongly renew collection efforts, which they would not typically be able to do, having not responded to my validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th attempt and complaint against XXXX XXXX XXXX  and PHH Mortgage Servicers, whom refuses to correct my XXXX  Credit Report.
Product: Checking or savings account

My debit card from capital one was charged over XXXX dollars from XXXX XXXX for food deliveries to a different address that I never resided nor was I near that address but capital one allowed all of the transactions and when I filed a dispute with the bank they rejected my dispute and evidence that I sent to them and they closed my account on a XXXX dollars negative, in addition I spoke to XXXX and they claimed they didnt see the charges from that debit card which I provided all of that information to capital one and they still denied the claim. I am residing in Florida and the deliveries and orders were made in Pennsylvania. I am getting constant phone calls now from capital one to pay for something I never authorized.
Product: Credit card

On XX/XX/24 I verbally agreed to make $ XXXX  monthly payments to Capital One to bring my credit card account current starting on XX/XX/XXXX. I was told once the card was in good standing that I would be able to use the card again. The account is in good standing and is still restricted. I called Capital One on XX/XX/24 and asked why the account is still restricted and was told that it is permanently restricted because on XX/XX/XXXX it became 120 days past due because I was not making the minimum payment amount. I explained that I agreed to the $ XXXX  monthly payments because I was told if I brought the account current I would have access to using the card again. I was told No thats not the case of the agreement that I agreed to. I have asked for a transcript of the phone call because I want to hear what I verbally agreed to. Im being told No thats they dont provide customers with access to the recorded calls. I explained to the supervisor XXXX that I would have never agreed to the arrangement the way that he explained it and had I have been told that the arrangement would not have any bearing on the restriction being lifted and wouldnt keep my account from being 120 days past due I would not have agreed to making the payments in that amount. 
I wanted to do {$40.00} - $ 50 monthly payments but the representative that made the arrangement coerced me into the higher payment telling me that once the account was current I would have access to using the card again. 
I just want a transcript of the phone call so I can see or hear exactly what I agreed to.
Product: Debt collection

I made phone calls on XXXX  occasions to get the information required, but tossed back and forth by different representatives. 

I sent them a fax regarding the requested document but still has not received any response.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Debt collection

I hope this message finds you well. I am writing to address a concerning issue regarding Portfolio Recoverys attempts to collect a balance of {$1000.00}, which they claim I owe as of XX/XX/year>. I have received numerous letters from your office threatening to garnish my wages or seize my property. I want to clarify that this debt was originally sold to you by XXXX XXXX, and I firmly believe it does not belong to you. As such, I request that you remove this debt from your records immediately and cease all collection efforts. Please be advised that pursuing collections on debts that are not legally yours is not only unethical but also against the regulations governing debt collection practices. Thank you for your prompt attention to this matter. I look forward to your immediate response confirming the cessation of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The company claims I owe a debt to someone and I have no clue as to what it is for. I have never had any dealings with the original creditor and I have looked through old bills and files and have nothing from them either. The debt collector also claims I was sent a notice 35 days ago but I have received no letter from them previously and this first notice I received also did not include anything about dispute. The creditor should use certified mail if they even sent a first notice to make sure I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX  XXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!