23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me XXXX XXXX, even affecting my XXXX XXXX XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me! I already ceased this company! stop reporting on my consumer report you do not have my consent
Product: Debt collection

I have not received any validation documentation from COMMONWEALTH FINANCIAL SYSTEMS. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XXXX and XXXX of 2020. Someone opened up XXXX accounts and tried to open up XXXX XXXX and XXXX accounts in my name. These issues impacted my XXXX  and Equifax credit reports and scores. I was able to get a police report and get the issues resolved with XXXX  but Equifax has been completely inept. I have called them on 15+ occasions and been told via phone that my inquiry would be removed only to find out a week later when I updated my credit report that my inquiry didn't fall off. I have written documentation from them on two occasions confirming that they had removed the inquiries but my credit report still shows them on my credit report. I have submitted police reports to support my claim, XXXX has submitted evidence that it was fraudulent, and I have called on multiple occasions with no success. 
Please assist as I have spent days working through with Equifax and had no success.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements
under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently.

1 ) XXXX/XXXX/XXXX XXXX has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) XXXX/XXXX/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING OVER MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY REPORT ( XXXX XXXX ). I DISPUTED THESE ITEMS WITH THE CREDIT REPORTING AGENCIES TO NO AVAIL. I FILED AN IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT AND THEN SAW THAT THERE WERE MORE ACCOUNTS ADDED AFTER THAT. SO I THEN FILED ANOTHER POLICE REPORT ( XXXX. XXXX ). 

ACCOUNTS ARE BUT NOT LIMITED TO : XXXX XXXX XXXX XXXXXX/XX/XXXXTWICE XX/XX/XXXX XX/XX/XXXXTHERE IS ALSO A XXXX XXXX XXXX XXXX ACCOUNT THAT I DISPUTED WITH ALL THREE CREDIT REPORTING AGENCIES NUMEROUS TIMES. THIS ACCOUNT HAS BEEN REMOVED BY TWO OF THE AGENCIES ( TransUnion XXXX XXXX ). XXXX HAS REFUSED TO FOLLOW SUIT. AS THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have disputed with this debt collection Resurgent since XXXX  Regarding this debt, they have even filed a judgment on me in court. 

This company sends me disputes under XXXX different names LVNV Funding and Resurgent. 
In my disputes, I have asked them to correct the information that is being reported and they have not. I have not received a 1099 c from this account since it is reporting as a charge-off. Each month it reports a charge-off as if the account charges off each month.

Issue an IRS Form 1099-C for a canceled or discharged debt that I believe qualifies under 26 U.S.C. 6050P. Additionally, I am disputing the reporting of this debt on my credit report, as it remains inaccurately reflected.

15 U.S.C. 605B : Under this provision, I am requesting that you block the reporting of any information that I believe resulted from identity theft. Attached is a copy of my identity theft report ( police report or FTC Identity Theft Affidavit ), which provides the necessary documentation. The disputed information must be blocked within four business days.

15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccurate late payment or other erroneous information on my report does not meet this standard. I am requesting that you reinvestigate the accuracy of this information and ensure that my credit report is corrected accordingly.

15 U.S.C. 1681n : As this may represent a willful violation of the FCRA by allowing inaccurate information to remain on my report without proper verification or reasonable procedures, I am notifying you of potential legal consequences. If this matter is not resolved promptly, I reserve the right to pursue statutory damages of {$100.00} to {$1000.00} per violation, punitive damages, and recovery of attorneys fees and court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$2100.00} on the XXXX XXXX   XXXX XXXX XXXX partial account number XXXX. ( Please see page 17 attached from my credit report. ) I met with the apartment complex manager and I was granted permission to be released from the lease. I had to move from the apartment due to health issues. The apartment manager asked that I leave the apartment in immaculate condition, which I did, so that they could advertise and rent the unit as soon as possible. They were able to rent the unit immediately. I did not sign an agreement to pay them anything. There was no contact whatsoever from the apartment complex until ( 6 ) years later! I believe this collection to be fraudulent and this incorrect reporting of a collection is harming my credit score. These line items need to be removed. I have contacted the ( 2 ) bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am not getting amount of {$300.00} from the XXXX XXXX though he has paid via wise. He has made two transactions : XX/XX/2021 -> {$150.00} -> Trace ID XXXX XX/XX/2021 -> {$150.00} -> Trace ID XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Military Star Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : N/A Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear ( Military Star ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor.

to the secure trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX US DEPARTMENT OF EDU US DEPT. OF EDUCATIO Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items that is being reported inaccurately on my credit report. And have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX was taken off my report and placed back on with a new age XXXX XXXX {$1200.00} XXXX XXXX  which is inaccurately reporting TWICE XXXX XXXX bank card which is reporting TWICE inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Appears on my Equifax Credit Report as having performed a credit inquiry. Upon contacting XXXX XXXX and providing my SSN, they indicate no record of this. I contacted Equifax and submitted an online dispute. Equifax states that they resolved the dispute and the request is accurate. Somebody is lying or not actually following up. XXXX XXXX contact provided is : Consumer Financial Protection Bureau. Equifax has my dispute and has completed it. There is no possible way that I authorized XXXX XXXX to pull my credit and I want this off my report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Inadequate Response and Delay in Addressing My Dispute Dear CFPB, I am writing to file a formal complaint against Equifax for their inadequate response to my dispute submitted through the CFPB Complaint Portal on XX/XX/year>. Despite providing all necessary identification documents and information, Equifax 's response on XX/XX/year>, indicated they were unable to locate my credit file and requested additional documents that had already been submitted. 
Company 's Response : Equifax stated : " It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. The results are below : We were unable to locate a credit file in our database with the identification information you provided. In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number, and Date of Birth. Please provide a copy of a Valid Social Security Card and Driver 's license. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. '' Issue : Despite providing the required documentation initially, Equifax 's response has delayed the resolution of my dispute and failed to address my concerns adequately. The requested documents were already provided, including my complete name, current and former addresses, Social Security Number, Date of Birth, a valid Social Security Card, and Driver 's License. 
Violations : Equifax 's actions constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : Failure to conduct a proper investigation and address the inaccuracies in my credit report.

15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : Failure to maintain accurate and complete information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

THIS IS MY XXXX AND LAST REQUEST TO THE CRA 'S REQUESTING THE INACCURATE AND INCOMPLETE INFORMATION DELETED. ISENT MY LAST LETTER ON XXXX TO XXXX, EQUIFAX, AND XXXX AND I HAVE NOT RECEIVED ANYTHING FROM THEM CONCERNING MY REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sure, I can help you with that. Here 's a sample credit report complaint to the Consumer Financial Protection Bureau ( CFPB ) : Dear CFPB, I am writing to file a complaint about the credit reporting practices of the major credit bureaus. 

On multiple occasions, I have attempted to reach out to the credit bureaus to dispute errors on my credit report, but my attempts have been met with indifference and a lack of response. 

As a responsible consumer, it is important that my credit report accurately reflect my credit history. Yet, despite my efforts to correct errors, inaccurate information remains on my report. This has caused significant harm to my credit score, limiting my ability to obtain credit and other financial opportunities. 

I urge the CFPB to take action against the credit bureaus and ensure that they comply with federal laws governing credit reporting. Specifically, I request that the CFPB investigate the practices of the credit bureaus and hold them accountable for any violations. 

I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX  Account Number:XXXX  Account name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am filing a complaint against EXPERIAN and TRANSUNION for failing to properly investigate my disputes regarding inaccuracies and my credit report. Despite my submissions Experian & Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CPFA ) ,12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted and the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block & delete these accounts from my reports.
Product: Credit reporting or other personal consumer reports

I request that Hyundai investigates my case and removes incorrect information that was noted on my credit scores. Hyundai claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by Hyundai that show no outstanding balance or late fees. In fact, Hyundai just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the Hyundai 's XXXX Department, she confirmed that Hyundai issued repossession due to internal paperwork ; not because I defaulted on my account. Hyundai was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, Hyundai asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for Hyundai to pick up the car and I would continue to make my payments so that Hyundai would not report anything to the credit bureaus ( as noted in total loss statement from Hyundai and provided in documentation ). I did not default on this promise and HyundaXXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from Hyundai has not responded in writing to my XX/XX/16 email ( email provided in documentation ). Hyundai has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.