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

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding multiple requests to remove fraudulent items from my credit report, which continue to be reported inaccurately. My name is XXXX XXXX, and I have always taken great care in managing my financial responsibilities. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances of fraudulent items that have been reported and continue to negatively impact my creditworthiness. The credit report contains entries for accounts and transactions that are clearly fraudulent in nature. These items have been reported to your agency as fraudulent on multiple occasions, with supporting documentation provided. These inaccuracies have had a significant negative impact on my credit score, making it difficult for me to secure credit and adversely affecting my financial stability. Despite my repeated requests, these fraudulent items persist on my credit report.I have submitted formal requests for the removal of these fraudulent items to Credit Bureaus on multiple occasions, along with all necessary documentation to support my claims. However, I have not received any confirmation that the corrections have been made, and the inaccuracies persist. I understand the gravity of maintaining an accurate credit report, as it is a crucial factor in determining my financial well-being. These fraudulent items not only harm my creditworthiness but also create a sense of insecurity and financial vulnerability. 

I kindly request that Credit Bureaus take immediate action to investigate and permanently remove these fraudulent items from my credit report. Specifically, I request the following : conduct a thorough and expedited investigation into the fraudulent items in question, remove all fraudulent items from my credit report and ensure that they do not reappear in future reports, and provide me with a revised and accurate credit report as soon as possible, reflecting the necessary corrections. 

I have attached copies of my credit report highlighting the fraudulent items, as well as all relevant documentation supporting my claims, for your reference. 

I trust that Credit Bureaus will prioritize the resolution of this matter and take the necessary steps to rectify the inaccuracies promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. These are the following fraudulent items I want to disposed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$0.00} 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 {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.
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 Federal 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, ReliantXXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
Product: Checking or savings account

I banked with Wells Fargo for quite sometime. I use past tense because unfair acts caused them to close my accounts. 

I was having financial difficulties late 2021 due to my work as a process server slowing down tremendously with XXXX. My account accumulated overdraft fees approximately {$300.00}. A {$35.00} overdraft fee was added up every time something withdrew from my account, even if it was just {$2.00}. 

I received a XXXX stimulus payment around XX/XX/2021 that alleviated my negative balance and left me well into the positive. After, Wells Fargo took the liberty of not garnishing overdraft payments as a XXXX relief tactic. I was under the impression that this was final. No agreement was made for me to pay the fees in the future nor was I made aware the bank would blindly take from my account. 

About 6 Months later, still trying to recuperate financially and start on my new business venture as a XXXX XXXX XXXX, with out warning- Wells Fargo took over {$300.00} dollars from my account. That was my last at the time. I called and explained I was unaware of the reasoning, the agent explained it was from the overdraft fees they credited without permission nor agreement to my account. I exclaimed how I needed my funds and I was a mother having financial difficulties and trying to get out so this XXXX act was a set back. They were unwavering and unfair. I wasnt able to began my work nor accumulate funds from working to continue to keep my accounts in good standing as they were before Wells Fargo committed this act. My accounts began to overdraft and then Wells Fargo closed all 3 of my accounts and my credit card because of the financial downhill they initiated. This was all a chain reaction to Agreements not done in Good faith. I have since had to use prepaid debit cards.
Product: Debt collection

The following accounts are incorrect, and they are adversely affecting my livelihood. I have no knowledge of this account. 
Lvnv funding llc XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital systems LLC, is trying to collect a debt that is 5 years old in the amount of {$740.00}. The company is reporting that it was opened during the 2022 in XXXX. They are also trying to collect debt in a state that are not licensed in. I have submitted 3 disputes which all have went ignored and unchanged. 
I have never revived any letters from this company, I have not provided any proof to this company for them to verify anything. Everything theyre reporting is erroneous information.
Product: Debt collection

I had a XXXX XXXX credit card that went to collections and it was purchased by XXXX XXXX XXXX. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office ( Mandarich Law Group ) who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to XXXX XXXX XXXX. I attempt deal with the law office of Mandarich Law Group and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them. 
My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and XXXX  XXXX  battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained XXXX  of my XXXX  and as their father struggled with serious XXXX  issues that jeopardized the XXXX  XXXX. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full XXXX  of my XXXX  and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as COVID-19 XXXX  XXXX XXXX  so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income. 
As I explained, due to a financial hardship I can not afford to pay the balance on the account. XXXX XXXX XXXX has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting XXXX XXXX XXXX to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.
Product: Student loan

Navient has made it very hard to stay on track with my student loans. They raise interest rates on them the more I pay. They have capitialized interest on me while ive been in school. They have never let me release my co signor. They said it was n't possible. At this rate I wil be paying $ XXXX a month for 30 years. My original balance of {$35000.00} went up to {$54000.00} in 6 years just due to the interest.
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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/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: Money transfer, virtual currency, or money service

I made a single {$2000.00} money transfer, WU withdrew the money twice from my XXXX XXXX XXXX account onXX/XX/2019. I have repeatedly contacted them to refund my money. They acknowledged their error but did not refund my money. 

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

In accordance with the Fair credit reporting act, XXXX  account number XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.
Product: Vehicle loan or lease

I change my old car XXXX XXXX XXXX for a new XXXX XXXX XXXX, the XXXX XXXX send the payment to Santander Consumer USA, they don't want to process my payment, tell me I going to have to pay late fees, have a negative report on my credit and making strange collectors calls, for something, I don't own anymore. I just want the turn off my Loan, they know I change my car because I get the financial with Santander Consumer Again. Thanks.
Product: Checking or savings account

We had one of our checks stolen from the postal service. It was fraudulently altered and deposited in an Ally Bank Account. The amount of the check was {$19000.00}. We believe it is too easy to digitally alter a check and digitally deposit a fraudulent check in a fraudulent internet bank account. Our checks have water marks, holograms and are on heat resistant paper. We try to make them very hard to deposit fraudulently. I further believe that internet banks who do not have bricks and mortar locations are accepting fraudulent checks out of necessity. They are taking a risk at my expense. I believe that Ally Bank is enabling the fraud through their week security system. In order for ally to deposit this check they had to have opened a fraudulent account for the deposit. Our bank is denying reimbursement for the stolen {$19000.00} because we did not realize the fraud had accrued soon enough. I do not think that it would have mattered if we notified them when it happened. I believe it was too late when it happened. How can this be our fault?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I am submitting this complaint regarding the inaccurate reporting of a charge-off by XXXX XXXX XXXX XXXX The account in question ( Account XXXX. XXXX ), under my name, XXXX XXXX XXXX, has been paid in full, as verified by a letter from XXXX XXXX XXXX dated XX/XX/year>. Despite this, the account has been wrongfully marked as a charge-off on my credit report. 

This charge-off was incorrectly applied, and the account 's current derogatory status is not a true reflection of my financial responsibility. This inaccurate reporting is unfairly damaging my credit standing, even though the account has been fully resolved. 

I am requesting the CFPBs assistance in having this account removed from my credit report, as it should not have been charged off in the first place and is now fully paid. Please take the necessary steps to address this inaccurate reporting and ensure that my credit report reflects the correct status. 

Thank you for your help in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Okay, there wasn't a way to put this on the previous screens... 

Hello! 

I called Plusfour Inc. to pay a debt to work toward fixing my credit. A friend said to make sure I get a physical letter stating it will be taken off my credit report.

When I spoke to someone at Plusfour they stated they will digitally take it off the credit bureaus, but a letter would be {$10.00}. When I stated it should be free, they said that is policy and they have been charging it for years. 

When I told my friend, he said it should be free, absolutely do not pay for a letter. 

So here I am asking what the law is and why {$10.00} is being charged for a letter that would take {$0.00} cents to mail. I live in the same city they are located, so I could even save them a stamp by picking it up. 

Plusfour Inc Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX affiliated with Equifax has removed XXXX points for decrease payments explanation. 
XXXXXXXX XXXX associated with Equifax Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
XXXX XXXX XXXX is reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed XXXXXXXX XXXX XXXXXXXX associated with Equifax have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with Equifax has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX  point from XXXX on a credit card that I don't have. How can points be deducted if I don't have credit cards.
Product: Money transfer, virtual currency, or money service

I have been using ( Transfer ) Wise for several years. 
My transfers used to happen in a matter of hours ( as long as it was not over the weekend ). 
Just recently, they started taking longer and longer. One of the reasons to switch to this company was knowing when the money would show up reliably. Well, that just isn't happening since XX/XX/2023. 
I am including my most recent transfer and correspondence with the company ( I did plan for initiating on XX/XX/XXXX here, realizing that money would not move until the XXXX ) ( Also, my bank IS open on Saturdays ). 
I am also including a XXXX transfer showing how fast it used to be. 
The company will not explain what has changed or what the problem is. 
The time it takes matters... now I will be late paying 2 bills! 
These transfers are from my XXXX XXXX to my XXXXXXXX XXXX.
Product: Credit card

Used card ( XXXX ) amx to reserve hotel. 
Hotel held XXXX each visit Hotel has released my money Bank will not replace my money I have email from hotel showing released money.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; I recently reviewed my consumer report and observed that 2 late payments are incorrectly reporting on Consumer Reports. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information with Maximum Accuracy. I have never been late on my account by XXXX with account # XXXX. Attached document will show multiple inaccuracies. Please remove the late payments and update with paid on time as I was never late. 

Thank you for your kind consideration. 
XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed accounts with Experian XXXX XXXX with supporting documentation attached. I was then sent an email stating my identity could not be verified. I proceeded to upload my ID, SSN & Utility Bill. I also contacted them same day to notify them of my upload. These accounts were supposed to be removed within 4 business days per 15 U.S.C 1681 c-2 section 605b. Unfortunately, Experian XXXX XXXX failed to comply causing significant damage to my score thus hindering me from obtaining credit. I have spoken with multiple agents who insist the job will be done and I should receive an alert of the updated results once completed in 4 business days. I have not received that information. Upon checking my Experian, I came upon and added that was added but then immediately removed. I reached out to Experian and to my alarming surprise was told that the address had came from the dark web and that my information had been exposed. Prior to, I uploaded proof that my information was exposed in an XXXX data breach as well as a XXXX data breach andI was entitled to compensation. I am aware that I am also entitled to a fair, accurate and complete credit report under the FCRA and wish to exercise my rights. I have attached my XXXX report to reflect what accounts should be on my report including how my personal information should be viewed.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within XXXX days. Please find the enclosed documents for your review.