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

I submitted this request to XXXX, Experian, and XXXX. This is a request to correct a violation of 15 US Code. The information on the reports is going beyond the allowed information according to the US Code. 

XXXX XXXX XXXX ( This was sent to XXXX. Similar requests were sent to Experian and XXXX ). 
Confirmation # XXXX Please correct the following inaccuracies on my credit report : Page # XXXX Last Reported Employment should have been XXXX  XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX. 
Page # XXXX XXXX  XXXX XXXX XXXX Account XXXX is in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, which states ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Please remove information of account that as described by the US Code does not belong on the report. 
Page # XXXX, XXXX  XXXX XXXX, Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX, -XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX  XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX, as the previous mentioned account, is also in VIOLATION of 15 US Code 1681a, Section 2, Subsection Ai, please remove. 
Page # XXXX XXXX XXXX XXXX Account XXXX, this is not my account. Please remove. 
Page # XXXX XXXX  XXXX Account XXXX, this is not my account. Please remove.
Product: Credit reporting, credit repair services, 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 blocking the erroneous information which 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 XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} ; XXXX XXXXXXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit. I would also like to cancel/remove any security freezes and/or fraud alerts. As of a result of whatever freeze, hold, or alert that Equifax has placed on my credit report. I am unable to get my a replacement XXXX credit card even though I have an active account with this company.
Product: Credit reporting

For more than XXXX years I have been disputing derogatory and fraudulent information on my credit reports. 
Equifax is causing havoc and inaccurate information to the public. I look to your help to resolving this matter. Since 2012 I have been disputing fraudulent information from XXXX XXXX XXXX to Equifax from my credit report. 
I have spoken with employees from XXXX XXXX XXXX and Equifax and there refusal to remove harmful credit information. I seek you assistance and information to resolving this matter. 
Thank you, XXXX XXXX
Product: Debt collection

A company named Monterrey Finance calls and leaves recorded messages saying " this is an attempt to collect a debt if you are not the person we are calling then do not listen to this message. '' Then the recording starts over and adds " call us back today '' I have answered the phone and the recorded message continues. 
I have answered the phone and pressed the # 1 to find out what it is about and the recording continues. They call every day but I have been erasing the messages after my attempts to contact them have n't worked. 
I have erased the days other then the two stated since I did n't plan on filing a complaint until today. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. I told XXXX, XXXX XXXX  equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

This account that I have with this bank was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the bank update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and Equifax and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice.
Product: Debt collection

The principal on this debt was paid directly to original creditor  XXXX   XXXX . Balance represents interest and i s three times th e amount of the loan.     It is illegal to report pay day loans to credit bureaus in Texas.       Ad Astra ignored by request to find out if they are licensed to collect in Texas.
Ad Astra s  aid they have new information on me that confirms the debt, but did not provide me with that information.
Product: Vehicle loan or lease

I have moved from XXXX XXXX XXXX I need to move my car title and registration to XXXX as I now live here. 

The DMV informed me that I needed a letter authorizing a release from XXXX from the lending bank -- this occurred after they escalated a call to the licensing headquarters in XXXX XXXX, Missouri. 

Upon calling Truist, I was given conflicting information by the first customer service person I spoke with. The first individual attempted to email me a form -- however the form did not come through. Truist claims that this is not a form that can be downloaded online. Despite having XXXX personal information, Truist is unwilling to send the information in a direct email to make sure it is received. I was told to give the key information in the form ( and what it is ) and then email it to them. 
The supervisor on a call, stonewalled sending me the form. The supervisor refused to give me a contact in the office that handles the request and informed me that nobody at Truist could confer with me who is able to know the requirements or the form. Upon sending the information requested by Truist to the email they told me too, i was informed that it could not be seen, it could not be confirmed, and I was refused the ability to confirm if I even was given the correct information in the first place. 

Truist is currently blocking my ability to reasonably move my auto loan, taking large amounts of my time, and refusing to allow me to recieve a form that I am told I need from my state DMV office. Why is this company able to operate in all XXXX states when they can not send a form to a client, nor are they willing to give the information requested by a client and the state government?
Product: Mortgage

Closed on home XX/XX/XXXX moved XX/XX/XXXX was paying my monies to Wells Fargo until XX/XX/XXXX but they cant tell me about my funds from XX/XX/XXXX XX/XX/XXXX mortgage was put in someone elses name and they put it on a conventional loan so really wasnt mine until actually XX/XX/XXXX. They had the nerve to tell me that they didnt keep records back that far I got in contact with the mortgage company MT bank , who sold the mortgage to and they also have me down for three different mortgage account numbers and Wells Fargo on my form paper form here they have my interest rate at XXXX and the interest rates for the XXXX then somebody came to my house from Wells Fargo and changed everything over to for me to refinance within a year didnt know where they came from just came to the house and reduced my finances charge to XXXX they had me paying {$2000.00} that will be including {$640.00} on principal and {$1300.00} interest and like I stated they had three different loan numbers on this account
Product: Mortgage

It's closing on the property that the reverse mortgage company holds the paper on : They have the original stock certificate, and no one seems to know where it is... XXXX ( formerly known as XXXX XXXX ) claims the fault is with their attorney, XXXX XXXX ; their attorney 's office claims it's XXXX XXXX 's fault. ( I've been dealing with the attorney 's paralegals ; calls/efforts made to get to the bottom of things have not been returned with information I'm seeking/our lawyer is seeking. ) The original stock certificate was ordered on XX/XX/XXXX ; the timing in which it's supposed to be " delivered '' to the attorney 's office is one to three weeks. Now, we're going on four. They get no more time. I have no reason to be patient when it's obvious that one one is doing their job ( plus, as I understand it, XXXX  's attorney gets paid by my Mom ; XXXX XXXX passes their attorney 's fees on to the owner ). No one is doing their job ; the incompetency level is unacceptable. This morning, I left a very stern message and request with " XXXX '' ( the paralegal ) at the attorney 's office, requesting a returned phone call from the lawyer/and answers ; nothing/no returned phone call/response. I left a stern message on XXXX 's manager 's machine ( XXXX ) ( I could not reach her ) ; again, no response ; nothing. The buyer for the property has her mortgage approved, the buyer and seller are ready to close ( XXXX/their lawyer knows this ) ; the buyer 's attorney and our attorney want to set a closing date ; I've gotten several phone calls from our lawyer that he's getting the run-around ; again, totally unacceptable ( the seller : my XXXX-year-old Mom ; I have full power of attorney ; I'm her daughter ). 

I have made efforts to keep things moving along smoothly since XXXX ( my original contact at the lawyer 's office, a paralegal, is XXXX ) ; I also made efforts to do the same with XXXX ( f/k/a XXXX XXXX ). My cell phone records will prove the numerous phone calls/efforts made. It never should have gotten to this, where I have to file a formal complaint. They're unprofessional and their incompetency is completely unacceptable. And, as you know, in the end, they all get paid...
Product: Debt collection

Greetings Again This Company is reporting FRAUDULENT Inaccurate information on my Credit Report. I have REQUESTED that, They PROVIDE the PURCHASE AGREEMENT to Show Full Ownership of this so called Account, and also Other documents. They FAILED TO SEND THEM. 
So I may REVIEW like the FCRA laws and policies state. I need to SEE if this is Actually an Account that Belongs to me.
Product: Credit reporting or other personal consumer reports

What happened is that I discovered my credit report contains inaccuracies regarding my personal information, which is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, incorrect addresses and other outdated or irrelevant details are listed on my report, despite these entries being neither deliverable by the U.S. Postal Service nor accurate. 

Under the FCRA, I have the right to ensure that only accurate and relevant information is reported ( 15 U.S.C. 1681c ), and any inaccurate or unverifiable information must be removed promptly ( 15 U.S.C. 1681i ). 

To correct this, I formally requested that my personal information be updated as follows : Update my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
Correct my name to XXXX XXXX. 
Remove all outdated or inaccurate addresses, as they are neither valid nor reportable under the FCRA. 
Additionally, I clarified that my only Social Security number is XXXX, my date of birth is XX/XX/XXXX, and my employer should reflect only my current job. I also requested the removal of any telephone numbers from my report, as I do not wish for them to be listed. 

By law, the credit reporting agency must investigate and correct these inaccuracies within 30 days of receiving my dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent commonwealth financial a validation of a debt letter and in return they sent an itemized statement, ( in which I asked for a validation of debt. ) They've yet to validate the debt that belongs to the hospital in which commonwealth bought. When talking to commonwealth, after not receiving what I asked for, they were rude, and hung up during me speaking, after stating they sent out paperwork. Might I add, again not DEBT Validation. Another CSR even stated they should of been removed from bureaus.
Product: Credit card

I called in on XXXX/XXXX/2016 to make a payment on my QCard in the amount of {$110.00} at that point I was advised by the customer service representative that my credit limit decrease was only temporary due to none payment. I called again and spoke with a supervisor named XXXX who advised that my limit was dropped from {$1000.00} to {$470.00} due to a missed payment. I would like Qcard to raise my credit limit back to {$1000.00} because, the representative advised me per phone conversation on XXXX/XXXX/2016 before taking a payment that the limit would be readjusted. The decrease in credit limit without any notification from QVC caused my credit score to decrease by XXXX causing me financial hardships.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Bankruptcy Information Furnished by LexisNexis Dear LexisNexis , I am writing to formally dispute the accuracy of information about bankruptcy furnished by your organization to credit reporting agencies ( CRAs ). Upon reviewing my credit report, I discovered that the reported bankruptcy information contains inaccuracies, specifically regarding its source attribution.

The Fair Credit Reporting Act ( FCRA ) mandates that furnishers of information must ensure the maximum possible accuracy of the data they provide to CRAs ( 15 USC 1681s-2 ( a ) ( 1 ) ). However, your organization has acknowledged that its bankruptcy records may contain errors and are not free from defects. Despite this, the information was furnished to CRAs, resulting in its inclusion in my credit report.

Furthermore, disclaimers do not absolve furnishers or CRAs of their responsibility to provide accurate information. As such, your reliance on inaccurate or incomplete data constitutes a violation of FCRA requirements.

I request that LexisNexis immediately retract all bankruptcy-related data provided to CRAs regarding my account and ensure that the inaccurate information is corrected or removed entirely. Please confirm your compliance with this request in writing.

Failure to address this matter promptly may result in further legal action to protect my rights under the FCRA.

Bureau : XXXX Creditor : XXXX Additional relevant fields are : Type reported as XXXX  XXXX Bankruptcy Status reported as Discharged Date File Reported as XX/XX/XXXX Reference reported as XXXX Closing Date reported as XX/XX/XXXX Court reported as XXXX XXXX XXXX XXXX XXXX Exempt Amount reported as XXXX Asset Amount reported as XXXX Please send a copy of my credit file with the above Bankruptcy permanently removed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified Bank of America about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.
Product: Debt collection

XXXX XXXX stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on XXXX call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The first representative was very rude and harassing. I felt very worried about how I was being treated. It was the first time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.
Product: Student loan

My son has a student loan from Navient with me as consigned. I have payments directly deducted from my bank account. Although they have been taking out payments each month since, all were considered late and I just realized it. I spoke to XXXX on the phone who said the payment due was XXXX. I wanted to pay XXXX $ and have the extra applied to the principle. XXXX said the extra would only be applied to XXXX payment not the principle. XXXX said there was no way she could take any moneys to be applied to the principle. She did not know who to direct me to for inquiries about how to make payments to reduce the principle.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I arranged payment plans with GoodLeap and enrolled in autopay, with the assurance that payments of {$110.00} would be automatically withdrawn. However, last month, GoodLeap reported my account as late to the credit bureaus. Instead of honoring the autopay agreement, they repeatedly emailed me, requesting my zip code to process the monthly payment, which I had already set up as agreed. This is ridiculous! In XXXX they took 3 payments from my account, I had to file a complaint to have the 2 of the payments refunded.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : $ XXXX Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened XXXX XXXX Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XXXXXX/XX/XXXX Balance Owed : {$11000.00} - Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX