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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX  or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.
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 the violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXXCoast acceptance XXXX account number XXXX Coast acceptance : XXXX Subject : Dispute of Debt and Request for Verification Dear, XXXX XXXXCoast acceptance I am writing to formally dispute the validity of the debt that has been reported to me or is being collected by your agency. According to 15 USC 1692c ( Fair Debt Collection Practices Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), I am entitled to request verification of the debt and to be informed of the details surrounding its origin, amounts, and status.

To assist me in resolving this matter, I request that you provide the following : 1. Proof of the debt : Please provide the original documentation showing that I owe the amount you claim and that you have the legal right to collect it.

2. A complete breakdown of the debt : This should include the original creditors information, account number, balance, any fees or interest, and any other charges related to this debt.

3. Verification of the reporting : If this information has been reported to credit bureaus, I ask that you provide the dates and details of all reporting, including the exact amount and status of the debt as reported.

I am also requesting that all further communication regarding this matter be in writing, as permitted under 15 USC 1692c, and that any further collection attempts cease until this dispute has been resolved.

I understand that under the Fair Debt Collection Practices Act ( FDCPA ), you are required to verify this debt within 30 days of receiving this dispute letter. If you are unable to provide proper documentation, I request that you cease any further collection activity and remove the account from my credit report.

Please treat this as a formal dispute under the law, and provide all requested information in writing at your earliest convenience.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX Feel free to adjust any personal information, as needed.
Product: Debt collection

I am writing to formally dispute inaccurate information that is being reported on my credit report by the major credit reporting agencies. Despite multiple disputes, the inaccuracies remain uncorrected. I have disputed these inaccuracies directly with Equifax, XXXX, and XXXX multiple times, providing all necessary documentation to support my claims. However, the agencies have failed to correct the information, continuing to report inaccuracies that are damaging to my credit profile. According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and verifiable information. The persistent inaccuracies and lack of corrective action necessitate the deletion of these disputed accounts from my credit report. 

The continued reporting of inaccurate information is causing significant harm to my financial standing and overall creditworthiness.
Product: Student loan

I was notified by phone on XX/XX/XXXX that loan was in default and told that I had until XX/XX/XXXX to set up payments on the rehab program or I would incur a 19 % fee which would be XXXX. He wanted info about my AGI from tax return so I did some research to make sure that it was legitimate then attempted to call back with that info from my tax return. The wait on hold to talk to someone at PHEAA was always a long time and they are unavailable on the weekends but I finally reached someone, XXXX, on XX/XX/XXXX. The payment using my AGI was too high so we began the process of going over my income and my husband 's along with expenses then the call was dropped. I had to call back when he didn't and wait on hold again. I asked that he call back since he had my info. He did so on XX/XX/XXXX and I signed the form electronically to allow biweekly payments to begin XX/XX/XXXX while he was on the phone. He then said that he will email the agreement to me and my husband to sign and return. I had an email from them on XX/XX/XXXX but couldn't retrieve it. On XX/XX/XXXX a paper copy was received but didn't appear accurate so I tried to get ahold of them again to discuss it and did talk to someone else on XX/XX/XXXX only to be told that I now owe XX/XX/XXXX in fees in spite of the fact that I was trying to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i faxed over a copy of my FTC report to XXXX XXXX XXXX  his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX -Inquiry from XX/XX/XXXX XXXX XXXX-inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX XXXX XXXX XXXX-Inquiry from XX/XX/XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing two accounts through Mountain America Federal credit Union. When is for an auto loan and a secured credit card and I think it might be line of credit as well. Okay, I was paying out {$30.00} a month extra towards my monthly all alone payments and {$5.00} extra a month for my credit card and I also had my full coverage covered through Mountain America credit Union insurance they have their own insurance options so I went with their insurance through them Mountain America credit Union. This was supposed to cover my payments on my credit card line of credit my insurance for my XXXX and my auto loan payments up to 4 months in case I get XXXX  in case of a life happening problem which happened I have XXXX anyway something within my family had happened and I was not able to make my payments because I was not able to work. I was behind almost 2 months on both my insurance payment through them my credit card payment and also of course my auto loan payment. In 2019 somebody had hit my XXXX and it was not drivable. It got impounded and they repoed my car say ing it was because I was behind on my payments and had no insurance coverage. I of course reminded them that I had been paying extra for this coverage which was before the 4-month mark so I should have been covered completely. In any case they said no that is incorrect and there it sets they haven't given me any credit for it they have been reporting twice on me even and they're saying that I owe them over {$8000.00} and that does not include the credit card payment which was supposed to be covered as well of course. I am very frustrated I am disputing all of this through the three credit bureaus XXXX XXXX and XXXX. I asked for some direction on what do I do in case they deny this to you guys as well. I was told well you have the right to call consumer credit reporting services and dispute as well through them and the XXXX XXXX XXXX which as soon as I get off this line get this file for you guys I'm going to contact them as well the XXXX XXXX XXXX I am disputing this because they violated my contract in full I mean they really violated my contract my personal rights and I'm really upset at this not only did that ruin my credit score I'm trying to buy a house and I found out that this is this needs to be taken off in order for me to get any kind of a decent mortgage loan I don't have a car to save my life either I am taking public transportation and I just actually just bought a {$500.00} car which needs a lot of work done to it I'm upset and I have not been treated fairly and this is ths the reason why I am disputing these marks on my credit the collections they have imposed on me and the information they're reporting to the credit bureaus I have been treated unfairly they violated my contract for insurance auto loan and credit card and possible line of credit. Thank you sincerely XXXX XXXX my contact information is and you can text me at this number too if you'd like XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for and was approved for a Gemini credit card with a {$5000.00} credit limit. I received the card but have not been able to use it because my Gemini account has been frozen now for over 53 days. I have attempted to resolve the issue on 4 occasions only to be told to allow more time for a response. Well it is now going on 2 months and my account is still frozen and I have not been able to use the credit card I received. I also incurred a hard inquiry on my credit report so it's quite troubling that I have the credit card, a hard inquiry on my credit report and I'm not still not able to utilize the card. The ticket number with Gemini is Ticket ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*In accordance with the Fair Credit Reporting act XXXX XXXX Partial Account # 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 *In accordance with the Fair Credit Reporting acXXXX XXXX XXXX partial Account # 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 *In accordance with the Fair Credit Reporting act XXXX XXXX partial Account # 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 *In accordance with the Fair Credit Reporting Act XXXX Partial Account # 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
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question account name : SANTANDER CONSUMER USA account number : XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting XXXX  days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned account. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice.
Product: Credit reporting or other personal consumer reports

My credit is being used for fraud it is not me the people that are using my credit have opened bank accounts with my information and have applied for loans
Product: Credit reporting or other personal consumer reports

My Information was breached with the Equifax Data Breach, I did not authorize these Inaccurate Closed Accounts & inquiries please remove these inquiries immiediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a late payment for XX/XX/2019 yet XXXX  is reporting paid on time. therefore Equifax is reporting inaccurate information. which is clearly an FCRA violation.
Product: Credit card

Kindly review the attached documents. I want the bureau to start an investigation into these accounts, as I am never late with payments, yet they are inaccurately reported as late.
Product: Credit reporting or other personal consumer reports

Santander has stolen money submitted unilaterally that I sent on XX/XX/24 for XXXX. The payment made included statement saying it was for my rent so unsure why they went ahead and cashed it. I tried calling they hang up. They also have made false statements such as incorrect amounts on past bills and added fees they have not previously mentioned. They have stolen from me and I demand this company investigated properly and provide me with additional information as to when I will be getting my rent money back.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Reported as debt on credit report disputed debt, sent debt validation letter. Never received account statement, verification documents or any correspondence.
Product: Mortgage

I have experienced the following issues with NFM Lending Loan Officer - XXXX XXXX the following occurred : 1. He/They changed my demographic information ( Race, nationality, and number of years lived in previous home ) without my permission and the categories chosen were incorrect. 
2. He/They did not disclose all of the title fees as presented by the title company.

3. He/They raised the points fee without warning or discussing with me.

4. I requested a copy of the loan application that was initially submitted of which has not been provided. He has not responded at all.

5. Retaliation in the form of non responsive after I confronted him about his unethical behavior