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

My XXXX office applied for this line of credit on my behalf. I initially agreed. Before i ever used the credit, i began receiving statements in the mail. I called in to ask why was I being asked to make payments toward a line of credit that i had yet to use. I received no definitive response. In an effort to keep my credit score in good standing, i made a payment of {$35.00} over the phone and received a confirmation number. The following month, i received an additional bill from XXXX stating that they were unable to retrieve the funds from my bank account. I was so confused because i received a confirmation number when making the said payment. I then called my dentist office and told them that this company was making me very uncomfortable. I went on to explain that I no longer wanted to continue with this line of credit or this company because they weren't providing me with definitive responses and weren't being attentive to my needs, etc. My XXXX office returned the line of credit in FULL & assured me that it was taken care of. I paid for my XXXX  work directly from my bank account. Yet, the company continued to bill me ( including late fees ). I reached out to my XXXX  office again and they attempted to resolve the issue by reaching out to XXXX directly and were met with the same results ( NO RESULTS AT ALL ). I was extremely concerned at this point because XXXX reported this to the credit bureaus while I was disputing the claim. My dentist office was extremely unhappy that this was happening. They instructed me to pay the fee and that they would reimburse me in full, which is what happened. I can show my payment date as well as the date that the dentist 's assistant transferred the same amount to my bank account on the very date that i made a payment of {$110.00}, I don't understand why this is currently on my credit report and i would like for it to be removed in it's entirely. PLEASE HELP.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .
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 items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXX Owed : {$1300.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several weeks ago, when I check my credit score from Equifax, I find that XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to XXXX XXXXXXXX XXXX for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police ( attachment is the report ) and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. Second, XXXX XXXXXXXX XXXX have never contacted me about the debt ( no phones, no letter and no emails or in-person ), I first know about this debt via Equifax, which hurt my credit score a lot during the time I want to apply for a mortgage. Third, I filed a dispute in Equifax which they carried out an investigation by contacting the XXXX  XXXX XXXX in which Equifax said that the XXXX XXXX XXXX said the debt was mine. During the whole process, the collection agent never contact me and Equifax believed them. Fourth, the whole case did not make any common sense. Equifax knew that I pay off my credit card every month for a the whole time I have credit history, so why I will not pay this XXXX $ and let it be handled by a debt collector and why debt collector was willing to spend time and resources to collect XXXX XXXX Those things are very suspicious and Equifax never truly investigate the problem.
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,
Product: Credit reporting or other personal consumer reports

EXPERIAN CONTINUES TO NOT BLOCK FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT AS A RESULT TO IDENTITY THEFT
Product: Credit card or prepaid card

Made an {$8800.00} cash payment to my Fifth Third Bank credit card on XX/XX/XXXX. Despite this payment being cash, a hold was placed on the account. I discovered this when attempting to use my card while on vacation in XXXX, Colorado. After discovering this, I spoke with a supervisor at Fifth Third 's customer service number who looked into the payment and removed the hold after discovering it was a cash payment. Days later, after attempting to use my card I discovered that a hold has been placed on my account again. I've called Fifth Third a half dozen times to get this hold removed and I've received excuses from the fraud the department that vary from they can't see what type of payment was made or that they can't release the hold due to policy. I don't understand ( 1 ) why the hold was placed on the payment in the first place, given that it was cash ( even if I have had payments returned in the past, they shouldn't be allowed place a hold on a cash payment given that there's no risk of the funds being returned or stopped ; or ( 2 ) why after the hold was lifted, they re-applied the hold.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 
PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : 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

Since XX/XX/XXXX XXXX  XXXX  in XXXX XXXX Texas main branch and in conjunction with a prior complaint with you on same evolve has miss reported my credit status on my account not held long along with my father account who has recently passes XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . Through out the years evolve has reported a auto loan that is repossessed with balance owed then balance at XXXX then months later the same amounts on my fathers account lusted as certificates of deposits left to mother XXXX XXXX the executor of estate in probate court XXXX XXXX of XXXX XXXX Texas. Recent closure request XX/XX/XXXX with check in amount if XXXX. And in XXXX for record keeping and tax purposed I requested a print out of my fathers closed account ( what should have been closed completely ) for XXXX and discovered transactions ranging from XXXX  transfers in and out act. XXXX after XX/XX/XXXX and up to XX/XX/XXXX which is odd as XXXX XXXX XXXX was notified of passing XX/XX/XXXX and act was frozen until death cert was received and delayed due to XXXX XXXX. Over or about XXXX. Unaccounted for and also important recent discovery of main branch -XXXX branch manager XXXX XXXX XXXX mother of an individual XXXX XXXX who has pending charges from the state of Texas , XXXX XXXX XXXX for felony assault with major bodily harm XX/XX/XXXX and victim is me XXXX XXXX XXXX XXXX To note I have discovered that Mrs. XXXX has made several false credit inquiries on my and fathers credit report and what seems to me as XXXX  or XXXX XXXX XXXX or bank issued instruments via and through my and fathers account. To date we have received no response from evolve and after several attempts to contact am concerned that one same individual " XXXX '' answered the line and refuses to transfer my call to executive management even after severity of complaint with no resolution to date or correspondence.
Product: Debt collection

Jefferson Capital LLC put a collections on my XXXX credit report but it on XXXX XXXX website, but nothing on the equafax website. I have never did business with this company with this company or signed nothing. If they can't supply proof I would like it removed from my credit reports ASAP or they will be subject to legal auction, for deformation of character and credit fraud. The amount they have posted is {$970.00}.
Product: Debt collection

Certified letter was sent to Ad Astra asking for documentation bearing my signature to verify debt listed on credit reports. 
Letter was signed for by XXXX XXXX on XX/XX/XXXX, per Certified receipt from usps tracking # XXXX Documentation without signature was received back stating " We have reviewed your file with Speedy Cash and determined the facts in reference to this debt are consistent with the information provided by client. '' Second letter was sent to Ad Astra stating they had failed to provide me with viable evidence bearing my signature, showing the account was reported accurately. This letter was also sent Certified and signed for by XXXX., per Certified receipt from usps tracking # XXXX No response received from this letter. 

Certified letters were mailed to XXXX, XXXX and XXXX. The letter stated that Ad Astra failed to verify this debt bearing my signature and it should be removed from my credit report. Only received a response back from XXXX  stating I should contact the creditor for validation. Item was removed from XXXX  credit report. However, still shows on XXXX  & XXXX.

Certified letters were received by all three credit agencies as per Certified receipt from USPS. 
XXXX  - received XX/XX/XXXX XXXXXXXX XXXX  - received XX/XX/XXXX XXXXXXXX XXXX  - received XX/XX/XXXX XXXX As per Fair Credit Act Section 611 ( 5 ) ( A ) ( 1 ) ( i ) ( ii ) this item must be deleted as it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my FCRA right by reporting incorrect information on my credit report. I have been working with Experian since XX/XX/2021. I have sent numerous certified letter asking for full validation of the the late payment status of this account name XXXX XXXX XXXX Account number XXXX. Please direct Experian to do proper investigation and not just send request to third party vendor and come back to consumer and give me a status of " factual/ udapted ''. This is no proof. I have never been late for this account. This account is closed. The XXXX and XXXX have a status of " closed and Paid ''. Please remove this account from my Experian as the information on it is wrong.
Product: Debt collection

This creditor has reapplied this debt to my XXXX profile on XX/XX/2023 despite it being previously removed from all XXXX bureaus by the previous company. 

It has since been bought by a new company XXXX Spring Oaks Capital LLC, ) in which once acquired took it upon themselves to reapply this item explicitly to my XXXX credit report ; which is most widely used. 

This action on their part has created obstacles for me in obtaining the credit essential for my daily needs in addition to experiencing higher interest rates and has recently caused a significant drop in my credit score, which was their dire intent. 

The resolve I would like to request for is the removal of this item from my credit report ( s ) so that my report can return to its original status before this circumstance and for the restoration of the lost credit score points due to their recent actions. 

Thank you for your time and attention to this matter. 

XXXX XXXX Please see the below item description reporting on XXXX Spring Oaks Capital LLC, XXXX XXXX XXXX XXXX, VA XXXX XXXX Re : Collection/Chargeoff Amount : {$1200.00}
Product: Credit card

Someone ope.ed a account in my name. I need it removed.
Product: Debt collection

I requested validation of all the medical bills that are reporting on my credit as collection accounts, and I received a detailed breakdown of the treatment that was performed on me for the dates in question. However, this is violation  of HIPAA law as this does n't satisfy validation of the collections accounts, but only my personal information regar ding treatment.
Product: Vehicle loan or lease

Certainly! Below is a template for a dispute letter to the CFPB ( Consumer Financial Protection Bureau ) regarding late payments reported on your credit report, referencing the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payments Reported on My Credit Report FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding the late payments reported on my credit file with respect to BRIDGECREST and the account number XXXX. Upon reviewing my credit report, I have noticed that late payments are being reported inaccurately for the account mentioned, and I believe this information is incorrect. 

This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which entitles me to dispute any information on my credit report that I believe is inaccurate or incomplete. The late payments on my report do not reflect the actual payment history, as outlined below : Dispute Details : 1. Date ( s ) of the reported late payment ( s ) 2. Reason for dispute : I have made timely payments during the months when these late payments were reported, and I believe the information is inaccurate for the following reasons : The creditor may have failed to properly process my payment or applied it incorrectly.

Request for Action : As required under the FCRA, I am requesting that the CFPB assist me in ensuring this matter is thoroughly investigated. I would appreciate it if the credit reporting agency or creditor is required to verify the late payment ( s ) and correct or remove them from my credit report if they can not be substantiated. If the payments were made on time, they should not be reported as late.

Under 15 USC 1681i, I ask that the information be corrected or removed from my credit report if it is found to be inaccurate. Additionally, I request that you inform me of the results of the investigation within the 30-day period specified by the law.

Thank you for your assistance in resolving this issue. I look forward to a prompt resolution, ensuring my credit file is accurate and up to date. 

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

Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX  XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
XXXX*Hard inquiries*** _ FXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These 3 account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact information. 
**Collection** XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.
Product: Debt collection

Carmax auto finance was recently disputed from transuion credit file and was removed from file on XX/XX/2016. They re- inserted the account on XX/XX/XXXX but with no notification to me .I have disputed this fraudulent account with this company with deceptive tactics that they didnt consider my dispute because they responded before they got the notified letter they sent me which should be documented. I am backing up this claim with a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my credit reports and I saw all these inquiries, they don't belong to me. 


XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION AND XXXX, AND WHOEVER IS INVOLVED WITH DEFAMING AND UNDERCALCULATING SCORES PUTS AN UNFAIR DISADVANTAGE TO PEOPLE WHO DO NOT HAVE THE HIGHEST EDUCATION OR POSESS GENERATIONAL WEALTH AND IT IS DISCRIMINATORY IN NATURE BECAUSE IT IS INHERENTLY XXXX INFORMATION BY REDUCING SCORES WITH NEARLY 100 POINTS LEAVING PEOPLE WHO NEED BETTER HOUSING, BETTER CREDIT OPTIONS AND THEY ARE JUDGED BY THE HISTORY AS I HAVE A BANKRUPTCY ON FILE, FOR WHICH IS DUE TO BE REMOVED XXXX OF 2024, I SHOULD NOT BE PENALIZED THE SAME AMOUNT OF POINTS AS IF I JUST FILED BANKRUPTCY AND BEING NEAR THE END DATE OF BANKRUPTCY BEING REMOVED, ALSO THE INDIVIDUAL CREDITORS SHOULD NOT BE AN ADDITIONAL IMPACT OR REPORTED ON A CREDIT REPORT WHEN THE BANKRUPTCY IN ITSELF IS ALREADY A POINT AGAINST THE CONSUMER, IT IS DOUBLE SCRUTINIZING THE CONSUMER FOR THE SAME THING, THIS NEEDS TO STOP, INDIVIDUAL CREDITORS WHO HAVE BEEN DISCHARGED SHOULD NO LONGER REFLECT ON THE REPORT, I HAVE FILED DISPUTES WITH TRANSUNION, XXXX THAT THEY SHOULD NOT REPORT DOUBLE NEGATIVES ON SUCH REPORTS AND IN XXXX SCORE. THESE ARE ALL VIOLATIONS IN THE NAME OF XXXX SCORE TO KEEP THE POOR, IMPOVERISHED CLASS IN POVERTY BY REDUCING EQUAL OPPORTUNITIES THAT ARE PROTECTED SUCH AS RACE AND INCOME, AS I AM ALSO A SECTION 8 RECIPIENT FOR SUBSIDIZED HOUSING, THIS PUTS US AT A DISADVANTAGE WHEN WE ARE TRYING TO ELEVATE OUR HIGHER LEARNING AND IMPROVE OUR CREDIT, BUT XXXX SCORE AND ALL CREDIT REPORTING AGENCIES WHO CALCULATE WITH PREJUDICE AND DOMINATING THE RENTAL MARKET LIKE XXXX NEEDS TO STOP, THEY ARE ALL FOCUSED ON THE GENERATIONALLY WEALTHY AND REDUCES OPPORTUNITIES. XXXX SCORE STATES THAT IT GIVES OPPORTUNITIES TO THOSE WHO HAVE NO CREDIT SCORE, BUT IT DEFAMES PEOPLE WHO ARE TRYING TO IMPROVE THEIR SCORE, ONLY TO BE SCORE AT THE BOTTOM, WHEN THEIR HIGHEST SCORE SHOULD BE SHOWCASED ESPECIALLY IN XXXX, ALL CREDIT REPORTING, ANY CALCULATIONS TO DO WITH CREDIT.