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

I made numerous attempts ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to remove inaccurate accounts from my credit report and accounts are keep coming back verified and accounts are still appearing on my report. I will like to know how these accounts are being verified when the account addresses are not even on my credit report. The accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , and XXXX XXXX. I need these accounts removed immediately. The only address I am affiliated with is XXXX XXXX XXXX XXXX XXXX MI XXXX. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a negative balance that I do no not have for {$74.00}. I have included a dispute ; letter detailing.
Product: Debt collection

this is a case that the company responded to but im resubmited it again due to their response, i left the apartment in a good standing regardless off what happened, i decided to pay them {$700.00}, it mean i want be able to get anything back from 2 of my tires.they refused and want me to pay {$1200.00} which is the whole amount the collection put in my report and one thing i didnt like is they still calling that a settlement.the first payment of {$700.00} suppose to be paid the XX/XX/XXXX.i want a fair resolution of this case
Product: Student loan

I filed a Application for School Misconduct based on the findings of the US Department of Education investigation clearly showing there was misconduct with XXXX XXXXXXXX XXXX and Sallie Mae now Navient. I received a denial letter despite evidence provided by the US Department of Education showing cause for actions.
Product: Credit reporting or other personal consumer reports

KICK OFF LENDING IS FRAUD BOT GENERATED COMPANY WITH NO PHONE, FAKE ADDRESSES ( ALOT ) NO HUMANS T FIX PROBLEMS, THIS ACCOUNT HAS BEEN CLOSED DUE TO A FRAUDULENT COMPANY SUCH AS KICK OFF LENDING DOING BOT GENERATED " COMPANY '' AND NEVER REPLYING TO THEIR " CUSTOMERS '' NOR DOING ANYTHING TO HELP THEM EXCEPT TO REPORT IMPROPER INFORMATION TO 3 CREDIT REPORTING AGENCIES. XXXX XXXX XXXXXXXX ANOTHER OVER SEA 'S IN AND OUT COMPANY THAT DOES ABSOLUTELY NOTHING... ..CHECK THE REVIEWS .... FED. BUREAU IS NEXT.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Cash App Account Closure Dear Sir/Madam, I am writing to file a formal complaint against Cash App for the unexpected and unjustified closure of my account. On XX/XX/year>, I discovered that my Cash App account had been closed without warning. When I reached out to Cash Apps support team for clarification, they informed me that my account was closed due to a violation of their terms of service. However, they have failed to provide a clear explanation or specific details of which terms I allegedly violated. 

I have reviewed the terms and conditions, and to the best of my knowledge, I have complied with all applicable rules. Despite several attempts to resolve the issue with Cash App, they have continued to deny access to my account, leaving me without the funds stored within it and preventing me from using their services. 

I believe this situation is unjust and deserves to be investigated, as consumers have the right to be informed of the reasons behind such drastic actions. I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that Cash App provides a transparent explanation for the account closure and restores access to my account or refunds any funds still held in the account. 

Furthermore, I would appreciate any guidance on the next steps I can take to resolve this issue and the legal protections available to me as a consumer in this situation. 

Thank you for your assistance in this matter. I look forward to your response. 

Sincerely, XXXX  XXXX XXXX : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX Experian Dispute Division XXXX XXXX XXXXXXXX XXXX, TX XXXX FTC # : XXXX Cfpb # : Dear Experian Credit Bureau, My name is XXXX XXXX, and I am writing to address the ongoing issue of identity theft affecting my credit report. Despite my prior efforts to resolve this matter with Experian, fraudulent accounts remain on my report, contributing to a significant decline in my credit score, now in the XXXX. This has directly resulted in my recent denial for a home loan. I have submitted a new FTC complaint and am requesting immediate action to remove these fraudulent items. 

In compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681I ), I am exercising my legal right to dispute the erroneous information on my report. The listed companies do not have any legitimate accounts associated with me. These fraudulent accounts have been forwarded to a collection agency without proper validation, which is a violation of the FCRA. 

Fraudulent Accounts to be Removed : Accounts : XXXX XXXX XXXX XXXX {$7800.00} Acct : XXXX Fraudulent Inquiries & Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is your legal obligation to correct these inaccuracies. Case law such as XXXX XXXX Experian Information Solutions , Inc. and XXXX XXXX Experian affirms that emotional distress and financial damages are recoverable under the FCRA when inaccurate reporting harms consumers. Experians failure to resolve this issue makes it liable for actual, statutory, and punitive damages. 

I request the immediate removal of these fraudulent accounts. If action is not taken, I will pursue further legal remedies. 

Sincerely, 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. 
XXXX  # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Seterus Inc. did not apply my clearly stated " Principal only payment '' correctly, resulting in me paying several hundred dollars extra in interest. After several attempts to correct this issue, they told me there was nothing that they could do about it, even though they admitted it was their fault.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an erroneous NON EXISTING item ( Bankruptcy ) to my consumer report that they are claiming is verified when the furnisher ( XXXX ) has conducted an investigation after i disputed the item and they deleted and removed the item ( SEE ATTACHMENTS ). Furthermore, i never gave permissible purpose to furnish any negative item to my consumer report, much less an item that can not be actively verified! I have disputed several times with TransUnion yet they continue to reflect this outdated/ erroneous item which is directed violation of my rights as a consumer. This suggests willful non compliance after my request for maximum accuracy. This inaccurate reporting of this item has caused a severe damage to my credit worthiness. I am requesting this item ( Bankruptcy ) be DELETED and REMOVED from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$440.00} Amount {$440.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2500.00} Amount {$2500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX
Product: Debt collection

15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!! Under U. S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit card account open in my credit report that does not belong to me. I disputed it with equifax and XXXX but it is still showing in my account as closed but with a balance. This should be removed completely. Address in Georgia is not mine either and some inquiries. 
I can not speak to anyone from premier by phone because an automated recording answers asking for my credit card information which I dont have because I have no access to this credit card.
Product: Credit card

I purchased a couch from crate and barrel on XX/XX/2023 with total cost of XXXX $ during that time frame, crate and barrel had a XXXX day promotion if you sign up for the crate and barrel credit card you will receive a 20 % back reward points total of XXXX $ from my purchased. I applied for the crate and barrel card to receive the reward points, but instead of charging to the new opened crate and barrel cc, the purchased automatically was charged to my XXXX card hat was already on-file. 
Multiple attempt was called to crate and barrel customer service to reverse the charge from my XXXX card and to be transferred to the crate and barrel card. 

On XXXX of 2023 the issue was resolved and I was informed that I will received my rewards point 1 to 2 billing statements with the 20 % promotion. On XX/XX/XXXX my first billing statement came and received {$720.00} rewards point. I called the crate and barrel synchrony bank customer service on XX/XX/XXXX to follow up on the remaining rewards point that was owed to me. On XX/XX/XXXX a resoulution was made and was informed that I will received the remaining rewards point in 2 billing cycles. On XX/XX/XXXX I called to follow up and was informed that it will be posted on my XXXX statements. XXXX statement came and the remaining rewards point did not apply. 
I called once again on XX/XX/XXXX to follow up and was told that it will be posted on the XXXX statement. The XXXX statement has uploaded and still no reward points. I called the 4th time on XX/XX/XXXX and was transffered to XXXX ( the account manager ) and was informed that all they could do is to follow up once again and to wait the for another 1-2 billing cycle. This issue has been ongoing since XX/XX/XXXX the day I signed up for the crate and barrel card. Totalling of 7 months. 

At this point XXXX XXXX promotion and XXXX promotion has been posted with many sale that I could not partake due to not receiving the rewards point that was entitled to me. In addition, I asked for a copy of the note that was inputted in my account with all the interactions that I had with their customer service representatives, but was informed that I could not get access to the information/interaction. 

I am concern that many will fall victim to false advertisement and that synchrony bank is purposely withholding the rewards point during the holiday season to benefit them rather than the customers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. 
After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following open accounts : XXXX XXXX XXXX A Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9000.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report.
Product: Debt collection

I have tried repeatedly to contact Sunrise Credit Service for the unknown derogatory account hurting my XXXX, XXXX  and XXXX  credit reports. This unknown negative account is hurting my ability to apply for new credit.
Product: Student loan

Navient has over billed my account on student loans. I have been paying since XX/XX/2006. They have collected from me years that was incorrectly applied and/or overcharged my for late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is discrepancy on how this XXXX XXXX account is report. XXXX has this account with no late payments but you have a late payment listed on this account even though I never had a late payment.
Product: Debt collection

In the magistrate of XXXX XXXX ruling IRS discharge exempt 10 year XXXX XXXX  bill of credit fund. Disciplinary malefactor judgment appellate and investment banker pleading for mercy. Please be compassionate.
Product: Credit card or prepaid card

From : XXXX XXXX XXXX Via XXXX XXXX XXXX, XXXX XXXX XXXX debit card & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : {$100.00} Debit XXXX does NOT work Debit XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX Valid Through : XX/XX/XXXX To Whom It May Concern : Recently, I received a XXXX gift card from one of my XXXX ( I 'm a XXXX ). I went to redeem it, and the card would not work. I called the number on the service number on the card, and I was told to write a letter stating that the gift card should be transferred into my name. I called again on XX/XX/XXXX, and spoke to a customer representative named XXXX, employee I.D . XXXX. She told me the only thing left for me to do was to fax in a copy of my driver 's license and utility bill to show my identity. On XX/XX/XXXX, I faxed in a 3rd copy of the gift card, driver 's license, and utility bill. I have called multiple times to inquire the status of the card. On XX/XX/XXXX, I called again and I was told the bank received my fax. <P/>I have been waiting two months to receive a new XXXX gift card from XXXX XXXX XXXX XXXX  XXXX XXXX. <P/>XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX my FHA mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage. Since the transfer, I have made both the XXXX ( online payment ) and XXXX ( telephone payment with bankruptcy representative ) payments to Carrington Mortgage. However, on XX/XX/XXXX, I received a monthly statement from Carrington showing that my XXXX payment had not been applied to my account. It was being held in a " suspense '' account. The statement also indicated that I owed {$10000.00} due XX/XX/XXXX. 

I immediately called Carrinton and was transferred to a bankruptcy representative who stated that something happened with my XXXX payment and caused it to be sent to a " suspense account ''. She said she would put in an order to have it applied to the account. However, she also stated that Carrington could not find my payment ledgers from XXXX XXXX XXXX, and because of that, they had no record that I had made payments from XXXX. That's why they were billing me for the {$10000.00}. I contacted XXXX  XXXX XXXX and was told Carrington had received the payment ledgers along with all of the other loan documents during the transfer. XXXX  XXXX XXXX also faxed a copy to their bankruptcy department ( addressed to XXXX ). 

I called on XX/XX/XXXX and even after receiving the payment ledger fax from XXXX  XXXX XXXX ( which had not been scanned into my account, but showed as received by XXXX ), Carrington still has not resolved this billing issue. 

If this issue is not resolved in a timely manner, my attorney will have to take legal action against Carrington Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the XXXX  data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request an immediate review and correction of the information on my credit file. It has come to my attention that my personal information is currently being associated with my mothers name and birthday. This incorrect data needs to be removed, and my credit report should reflect only my own name and personal details.

Details of the Issue : The credit bureaus have my information incorrectly listed under my mother 's name and birthday.

I have checked my credit report and confirmed that this inaccurate information is present.

Requested Actions : Remove any entries linking my personal information to my mothers name and birthday.

Ensure that my credit report reflects only my correct information, including my name and birthdate.

Provide me with an updated copy of my credit report after the necessary corrections have been made.

Please take immediate action to resolve this issue. Should you require any further information or documentation to support my request I have uploaded my birth certificate and social security card and id, please feel free to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My information was Exposed in the Equifax Data Breach. As a result I have XXXX  severe damage to my consumer report and my mental capacity. Please delete these accounts and inquiries immediately.